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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 | $72,074 | $77,816-7.4% | $123,552-41.7% | $64,173+12.3% |
| Participation rate | 80.9% | 74.7%+6.1pp | 82.3%-1.4pp | 69.6%+11.3pp |
| Annual return | -6.20% | 12.49%-18.7pp | 119.20%-125.4pp | 7.63%-13.8pp |
| Employer contribution / active EE | $2,569 | $3,014-14.8% | $4,628-44.5% | $2,381+7.9% |
| Participant deferral / active EE | $8,134 | $5,240+55.2% | $6,426+26.6% | $3,470+134.4% |
| Admin fee / account holder | $5,551 | $5,519+0.6% | $9,285-40.2% | $4,887+13.6% |