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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 | $93,479 | $48,267+93.7% | $68,808+35.9% | $68,486+36.5% |
| Participation rate | 77.4% | 60.7%+16.8pp | 69.0%+8.4pp | 67.9%+9.5pp |
| Annual return | -17.53% | -12.70%-4.8pp | -6.37%-11.2pp | -7.85%-9.7pp |
| Employer contribution / active EE | $2,259 | $1,829+23.5% | $2,656-14.9% | $2,597-13.0% |
| Participant deferral / active EE | $4,281 | $2,867+49.3% | $3,942+8.6% | $4,028+6.3% |
| Admin fee / account holder | $6,204 | $4,362+42.2% | $4,936+25.7% | $5,404+14.8% |