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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 | $32,001 | $67,411-52.5% | $91,004-64.8% | $70,126-54.4% |
| Participation rate | 90.3% | 71.4%+18.9pp | 75.6%+14.7pp | 69.5%+20.7pp |
| Annual return | 14.97% | -40.16%+55.1pp | 4.60%+10.4pp | 73.15%-58.2pp |
| Employer contribution / active EE | $1,250 | $1,786-30.0% | $2,456-49.1% | $2,343-46.6% |
| Participant deferral / active EE | $1,457 | $2,823-48.4% | $3,548-58.9% | $3,332-56.3% |
| Admin fee / account holder | $2,458 | $4,236-42.0% | $5,417-54.6% | $4,645-47.1% |