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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 | $67,578 | $61,660+9.6% | $80,022-15.6% | $64,173+5.3% |
| Participation rate | 94.4% | 71.7%+22.8pp | 75.8%+18.6pp | 69.6%+24.9pp |
| Annual return | -5.87% | -0.33%-5.5pp | 11.22%-17.1pp | 7.63%-13.5pp |
| Employer contribution / active EE | $9,609 | $1,810+430.8% | $2,468+289.4% | $2,381+303.6% |
| Participant deferral / active EE | $5,809 | $2,968+95.8% | $3,686+57.6% | $3,470+67.4% |
| Admin fee / account holder | $2,403 | $5,417-55.6% | $6,521-63.1% | $4,887-50.8% |