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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 | $92,876 | $77,816+19.4% | $123,552-24.8% | $64,173+44.7% |
| Participation rate | 76.9% | 74.7%+2.2pp | 82.3%-5.4pp | 69.6%+7.4pp |
| Annual return | -5.20% | 12.49%-17.7pp | 119.20%-124.4pp | 7.63%-12.8pp |
| Employer contribution / active EE | $3,221 | $3,014+6.9% | $4,628-30.4% | $2,381+35.3% |
| Participant deferral / active EE | $6,232 | $5,240+18.9% | $6,426-3.0% | $3,470+79.6% |
| Admin fee / account holder | $1,380 | $5,519-75.0% | $9,285-85.1% | $4,887-71.8% |