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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 | $60,428 | $50,947+18.6% | $74,551-18.9% | $64,173-5.8% |
| Participation rate | 91.5% | 61.1%+30.4pp | 69.1%+22.3pp | 69.6%+21.9pp |
| Annual return | -7.35% | -1.85%-5.5pp | 32.53%-39.9pp | 7.63%-15.0pp |
| Employer contribution / active EE | $1,702 | $1,115+52.6% | $1,961-13.2% | $2,381-28.5% |
| Participant deferral / active EE | $3,905 | $2,302+69.7% | $3,108+25.6% | $3,470+12.5% |
| Admin fee / account holder | $415 | $4,221-90.2% | $5,059-91.8% | $4,887-91.5% |