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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 | $68,753 | $112,300-38.8% | $90,223-23.8% | $125,389-45.2% |
| Participation rate | 86.4% | 82.9%+3.5pp | 79.0%+7.3pp | 83.2%+3.2pp |
| Annual return | -2.12% | -0.57%-1.5pp | 1.31%-3.4pp | 282.24%-284.4pp |
| Employer contribution / active EE | $7,191 | $5,181+38.8% | $4,378+64.2% | $4,866+47.8% |
| Participant deferral / active EE | $10,065 | $6,733+49.5% | $5,792+73.8% | $5,352+88.1% |
| Admin fee / account holder | $8,533 | $10,990-22.4% | $7,406+15.2% | $9,541-10.6% |