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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 | $57,555 | $50,947+13.0% | $74,551-22.8% | $64,173-10.3% |
| Participation rate | 83.9% | 61.1%+22.9pp | 69.1%+14.8pp | 69.6%+14.4pp |
| Annual return | -7.16% | -1.85%-5.3pp | 32.53%-39.7pp | 7.63%-14.8pp |
| Employer contribution / active EE | $1,689 | $1,115+51.4% | $1,961-13.9% | $2,381-29.1% |
| Participant deferral / active EE | $5,638 | $2,302+145.0% | $3,108+81.4% | $3,470+62.5% |
| Admin fee / account holder | $7,452 | $4,221+76.5% | $5,059+47.3% | $4,887+52.5% |