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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 | $67,389 | $61,660+9.3% | $80,022-15.8% | $64,173+5.0% |
| Participation rate | 72.0% | 71.7%+0.3pp | 75.8%-3.8pp | 69.6%+2.4pp |
| Annual return | -2.67% | -0.33%-2.3pp | 11.22%-13.9pp | 7.63%-10.3pp |
| Employer contribution / active EE | $2,466 | $1,810+36.2% | $2,468-0.1% | $2,381+3.6% |
| Participant deferral / active EE | $3,915 | $2,968+31.9% | $3,686+6.2% | $3,470+12.8% |
| Admin fee / account holder | $18,842 | $5,417+247.8% | $6,521+188.9% | $4,887+285.5% |