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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 | $134,330 | $49,280+172.6% | $67,313+99.6% | $64,173+109.3% |
| Participation rate | 88.5% | 60.8%+27.7pp | 69.1%+19.4pp | 69.6%+18.9pp |
| Annual return | -4.48% | -1.39%-3.1pp | -4.08%-0.4pp | 7.63%-12.1pp |
| Employer contribution / active EE | $4,799 | $1,668+187.6% | $2,566+87.0% | $2,381+101.6% |
| Participant deferral / active EE | $4,977 | $2,484+100.4% | $3,568+39.5% | $3,470+43.4% |
| Admin fee / account holder | $8,292 | $3,863+114.7% | $4,507+84.0% | $4,887+69.7% |