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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 | $73,173 | $62,583+16.9% | $76,767-4.7% | $64,173+14.0% |
| Participation rate | 90.5% | 72.8%+17.7pp | 77.0%+13.5pp | 69.6%+20.9pp |
| Annual return | -5.08% | -1.95%-3.1pp | 2.43%-7.5pp | 7.63%-12.7pp |
| Employer contribution / active EE | $1,190 | $1,832-35.0% | $2,485-52.1% | $2,381-50.0% |
| Participant deferral / active EE | $2,786 | $3,145-11.4% | $3,852-27.7% | $3,470-19.7% |
| Admin fee / account holder | $5,415 | $4,667+16.0% | $6,675-18.9% | $4,887+10.8% |