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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 | $71,858 | $64,719+11.0% | $112,249-36.0% | $68,486+4.9% |
| Participation rate | 89.2% | 67.2%+22.0pp | 75.1%+14.1pp | 67.9%+21.3pp |
| Annual return | -13.98% | -11.40%-2.6pp | 27.48%-41.5pp | -7.85%-6.1pp |
| Employer contribution / active EE | $2,146 | $2,747-21.9% | $3,636-41.0% | $2,597-17.3% |
| Participant deferral / active EE | $5,624 | $3,565+57.7% | $4,729+18.9% | $4,028+39.6% |
| Admin fee / account holder | $5,670 | $5,232+8.4% | $6,412-11.6% | $5,404+4.9% |