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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 | $28,309 | $67,411-58.0% | $91,004-68.9% | $70,126-59.6% |
| Participation rate | 92.3% | 71.4%+20.9pp | 75.6%+16.7pp | 69.5%+22.8pp |
| Annual return | 13.47% | -40.16%+53.6pp | 4.60%+8.9pp | 73.15%-59.7pp |
| Employer contribution / active EE | $442 | $1,786-75.2% | $2,456-82.0% | $2,343-81.1% |
| Participant deferral / active EE | $2,274 | $2,823-19.4% | $3,548-35.9% | $3,332-31.8% |
| Admin fee / account holder | $1,555 | $4,236-63.3% | $5,417-71.3% | $4,645-66.5% |