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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 | $44,423 | $69,977-36.5% | $108,579-59.1% | $62,891-29.4% |
| Participation rate | 97.1% | 72.9%+24.2pp | 79.6%+17.5pp | 69.3%+27.8pp |
| Annual return | 6.21% | 10.73%-4.5pp | -51.70%+57.9pp | 20.14%-13.9pp |
| Employer contribution / active EE | $1,949 | $2,135-8.7% | $3,758-48.1% | $2,281-14.5% |
| Participant deferral / active EE | $3,367 | $3,165+6.4% | $4,311-21.9% | $3,203+5.1% |
| Admin fee / account holder | $1,051 | $5,076-79.3% | $7,645-86.3% | $4,296-75.5% |