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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 | $47,548 | $67,411-29.5% | $91,004-47.8% | $70,126-32.2% |
| Participation rate | 74.2% | 71.4%+2.9pp | 75.6%-1.4pp | 69.5%+4.7pp |
| Annual return | 24.99% | -40.16%+65.2pp | 4.60%+20.4pp | 73.15%-48.2pp |
| Employer contribution / active EE | $926 | $1,786-48.1% | $2,456-62.3% | $2,343-60.5% |
| Participant deferral / active EE | $3,128 | $2,823+10.8% | $3,548-11.8% | $3,332-6.1% |
| Admin fee / account holder | $9,106 | $4,236+114.9% | $5,417+68.1% | $4,645+96.0% |