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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 | $81,372 | $72,177+12.7% | $115,038-29.3% | $59,633+36.5% |
| Participation rate | 77.2% | 72.6%+4.6pp | 81.4%-4.2pp | 68.7%+8.5pp |
| Annual return | -1.51% | 12.02%-13.5pp | 26.14%-27.6pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $2,734 | $2,841-3.8% | $4,608-40.7% | $2,203+24.1% |
| Participant deferral / active EE | $5,926 | $4,783+23.9% | $6,026-1.7% | $3,192+85.7% |
| Admin fee / account holder | $7,396 | $4,927+50.1% | $8,175-9.5% | $4,297+72.1% |