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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 | $89,833 | $58,577+53.4% | $83,323+7.8% | $64,181+40.0% |
| Participation rate | 90.5% | 72.0%+18.4pp | 77.8%+12.7pp | 69.6%+20.9pp |
| Annual return | -6.04% | 9.65%-15.7pp | 10.63%-16.7pp | 7.63%-13.7pp |
| Employer contribution / active EE | $3,132 | $2,098+49.3% | $3,379-7.3% | $2,381+31.5% |
| Participant deferral / active EE | $12,681 | $4,654+172.5% | $5,565+127.9% | $3,470+265.5% |
| Admin fee / account holder | $6,422 | $9,275-30.8% | $7,539-14.8% | $4,887+31.4% |