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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 | $71,836 | $62,583+14.8% | $76,767-6.4% | $64,173+11.9% |
| Participation rate | 81.1% | 72.8%+8.3pp | 77.0%+4.1pp | 69.6%+11.5pp |
| Annual return | -5.69% | -1.95%-3.7pp | 2.43%-8.1pp | 7.63%-13.3pp |
| Employer contribution / active EE | $1,707 | $1,832-6.8% | $2,485-31.3% | $2,381-28.3% |
| Participant deferral / active EE | $5,296 | $3,145+68.4% | $3,852+37.5% | $3,470+52.6% |
| Admin fee / account holder | $1,498 | $4,667-67.9% | $6,675-77.6% | $4,887-69.3% |