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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 | $60,356 | $50,947+18.5% | $74,549-19.0% | $64,173-5.9% |
| Participation rate | 96.9% | 61.1%+35.8pp | 69.1%+27.7pp | 69.6%+27.3pp |
| Annual return | -6.55% | -1.85%-4.7pp | 32.53%-39.1pp | 7.63%-14.2pp |
| Employer contribution / active EE | $3,069 | $1,115+175.2% | $1,961+56.5% | $2,381+28.9% |
| Participant deferral / active EE | $4,005 | $2,302+74.0% | $3,108+28.9% | $3,470+15.4% |
| Admin fee / account holder | $5,598 | $4,221+32.6% | $5,059+10.6% | $4,887+14.5% |