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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 | $79,607 | $42,383+87.8% | $76,518+4.0% | $64,173+24.1% |
| Participation rate | 93.3% | 58.1%+35.2pp | 68.0%+25.3pp | 69.6%+23.8pp |
| Annual return | -6.23% | -16.54%+10.3pp | -0.27%-6.0pp | 7.63%-13.9pp |
| Employer contribution / active EE | $1,841 | $1,563+17.8% | $2,647-30.4% | $2,381-22.7% |
| Participant deferral / active EE | $4,542 | $2,566+77.0% | $3,836+18.4% | $3,470+30.9% |
| Admin fee / account holder | $1,863 | $3,198-41.7% | $4,849-61.6% | $4,887-61.9% |