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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 | $40,090 | $67,411-40.5% | $91,004-55.9% | $70,126-42.8% |
| Participation rate | 96.2% | 71.4%+24.8pp | 75.6%+20.6pp | 69.5%+26.6pp |
| Annual return | 15.07% | -40.16%+55.2pp | 4.60%+10.5pp | 73.15%-58.1pp |
| Employer contribution / active EE | $1,733 | $1,786-3.0% | $2,456-29.4% | $2,343-26.0% |
| Participant deferral / active EE | $2,718 | $2,823-3.7% | $3,548-23.4% | $3,332-18.4% |
| Admin fee / account holder | $4,703 | $4,236+11.0% | $5,417-13.2% | $4,645+1.2% |