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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 | $62,226 | $61,660+0.9% | $80,022-22.2% | $64,173-3.0% |
| Participation rate | 92.0% | 71.7%+20.3pp | 75.8%+16.2pp | 69.6%+22.4pp |
| Annual return | -7.45% | -0.33%-7.1pp | 11.22%-18.7pp | 7.63%-15.1pp |
| Employer contribution / active EE | $1,529 | $1,810-15.5% | $2,468-38.0% | $2,381-35.8% |
| Participant deferral / active EE | $2,545 | $2,968-14.2% | $3,686-31.0% | $3,470-26.7% |
| Admin fee / account holder | $1,579 | $5,417-70.8% | $6,521-75.8% | $4,887-67.7% |