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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 | $134,744 | $77,816+73.2% | $123,552+9.1% | $64,173+110.0% |
| Participation rate | 90.0% | 74.7%+15.3pp | 82.3%+7.7pp | 69.6%+20.4pp |
| Annual return | -6.94% | 12.49%-19.4pp | 119.20%-126.1pp | 7.63%-14.6pp |
| Employer contribution / active EE | $3,072 | $3,014+1.9% | $4,628-33.6% | $2,381+29.0% |
| Participant deferral / active EE | $7,421 | $5,240+41.6% | $6,426+15.5% | $3,470+113.9% |
| Admin fee / account holder | $1,929 | $5,519-65.0% | $9,285-79.2% | $4,887-60.5% |