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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 | $101,058 | $62,583+61.5% | $76,767+31.6% | $64,173+57.5% |
| Participation rate | 94.1% | 72.8%+21.3pp | 77.0%+17.2pp | 69.6%+24.5pp |
| Annual return | -3.28% | -1.95%-1.3pp | 2.43%-5.7pp | 7.63%-10.9pp |
| Employer contribution / active EE | $2,511 | $1,832+37.1% | $2,485+1.0% | $2,381+5.5% |
| Participant deferral / active EE | $4,745 | $3,145+50.9% | $3,852+23.2% | $3,470+36.7% |
| Admin fee / account holder | $28,299 | $4,667+506.4% | $6,675+323.9% | $4,887+479.0% |