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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 | $63,664 | $50,947+25.0% | $74,551-14.6% | $64,173-0.8% |
| Participation rate | 94.7% | 61.1%+33.7pp | 69.1%+25.6pp | 69.6%+25.2pp |
| Annual return | 5.44% | -1.85%+7.3pp | 32.53%-27.1pp | 7.63%-2.2pp |
| Employer contribution / active EE | $4,446 | $1,115+298.6% | $1,961+126.7% | $2,381+86.7% |
| Participant deferral / active EE | $3,563 | $2,302+54.8% | $3,108+14.6% | $3,470+2.7% |
| Admin fee / account holder | $2,745 | $4,221-35.0% | $5,059-45.7% | $4,887-43.8% |