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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 | $79,236 | $71,878+10.2% | $86,698-8.6% | $68,486+15.7% |
| Participation rate | 77.2% | 72.2%+4.9pp | 76.6%+0.6pp | 67.9%+9.3pp |
| Annual return | -8.94% | 3.53%-12.5pp | 35.95%-44.9pp | -7.85%-1.1pp |
| Employer contribution / active EE | $3,571 | $2,173+64.3% | $2,837+25.9% | $2,597+37.5% |
| Participant deferral / active EE | $7,666 | $3,779+102.9% | $4,656+64.6% | $4,028+90.3% |
| Admin fee / account holder | $2,747 | $6,113-55.1% | $7,493-63.3% | $5,404-49.2% |