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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 | $58,418 | $67,411-13.3% | $91,004-35.8% | $70,126-16.7% |
| Participation rate | 84.6% | 71.4%+13.3pp | 75.6%+9.0pp | 69.5%+15.1pp |
| Annual return | 15.56% | -40.16%+55.7pp | 4.60%+11.0pp | 73.15%-57.6pp |
| Employer contribution / active EE | $681 | $1,786-61.9% | $2,456-72.3% | $2,343-70.9% |
| Participant deferral / active EE | $4,965 | $2,823+75.9% | $3,548+39.9% | $3,332+49.0% |
| Admin fee / account holder | $8,700 | $4,236+105.4% | $5,417+60.6% | $4,645+87.3% |