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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $132,967 | $50,947+161.0% | $74,551+78.4% | $64,173+107.2% |
| Participation rate | 87.1% | 61.1%+26.0pp | 69.1%+18.0pp | 69.6%+17.5pp |
| Annual return | -6.78% | -1.85%-4.9pp | 32.53%-39.3pp | 7.63%-14.4pp |
| Employer contribution / active EE | $3,444 | $1,115+208.7% | $1,961+75.6% | $2,381+44.6% |
| Participant deferral / active EE | $2,474 | $2,302+7.5% | $3,108-20.4% | $3,470-28.7% |
| Admin fee / account holder | $5,092 | $4,221+20.6% | $5,059+0.7% | $4,887+4.2% |