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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 | $56,820 | $67,411-15.7% | $91,004-37.6% | $70,126-19.0% |
| Participation rate | 98.5% | 71.4%+27.1pp | 75.6%+22.9pp | 69.5%+28.9pp |
| Annual return | 18.65% | -40.16%+58.8pp | 4.60%+14.0pp | 73.15%-54.5pp |
| Employer contribution / active EE | $2,314 | $1,786+29.5% | $2,456-5.8% | $2,343-1.2% |
| Participant deferral / active EE | $3,418 | $2,823+21.1% | $3,548-3.7% | $3,332+2.6% |
| Admin fee / account holder | $685 | $4,236-83.8% | $5,417-87.4% | $4,645-85.2% |