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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 | $63,039 | $71,480-11.8% | $90,782-30.6% | $64,173-1.8% |
| Participation rate | 77.8% | 77.6%+0.2pp | 82.7%-4.9pp | 69.6%+8.2pp |
| Annual return | -5.72% | -4.25%-1.5pp | -3.42%-2.3pp | 7.63%-13.4pp |
| Employer contribution / active EE | $4,312 | $3,415+26.3% | $4,105+5.0% | $2,381+81.1% |
| Participant deferral / active EE | $14,277 | $4,302+231.9% | $5,366+166.1% | $3,470+311.5% |
| Admin fee / account holder | $6,202 | $6,309-1.7% | $5,908+5.0% | $4,887+26.9% |