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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 | $114,754 | $62,583+83.4% | $76,767+49.5% | $64,173+78.8% |
| Participation rate | 89.7% | 72.8%+16.8pp | 77.0%+12.7pp | 69.6%+20.1pp |
| Annual return | -2.17% | -1.95%-0.2pp | 2.43%-4.6pp | 7.63%-9.8pp |
| Employer contribution / active EE | $2,877 | $1,832+57.0% | $2,485+15.8% | $2,381+20.8% |
| Participant deferral / active EE | $5,533 | $3,145+75.9% | $3,852+43.6% | $3,470+59.5% |
| Admin fee / account holder | $40,400 | $4,667+765.7% | $6,675+505.2% | $4,887+726.6% |