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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 | $137,558 | $62,589+119.8% | $76,768+79.2% | $64,173+114.4% |
| Participation rate | 97.0% | 72.8%+24.2pp | 77.0%+20.0pp | 69.6%+27.4pp |
| Annual return | -5.66% | -1.95%-3.7pp | 2.43%-8.1pp | 7.63%-13.3pp |
| Employer contribution / active EE | $3,872 | $1,832+111.3% | $2,485+55.8% | $2,381+62.6% |
| Participant deferral / active EE | $5,485 | $3,145+74.4% | $3,852+42.4% | $3,470+58.1% |
| Admin fee / account holder | $4,272 | $4,667-8.5% | $6,675-36.0% | $4,887-12.6% |