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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 | $53,143 | $67,411-21.2% | $91,004-41.6% | $70,126-24.2% |
| Participation rate | 84.8% | 71.4%+13.4pp | 75.6%+9.2pp | 69.5%+15.2pp |
| Annual return | 15.06% | -40.16%+55.2pp | 4.60%+10.5pp | 73.15%-58.1pp |
| Employer contribution / active EE | $2,016 | $1,786+12.9% | $2,456-17.9% | $2,343-13.9% |
| Participant deferral / active EE | $3,728 | $2,823+32.1% | $3,548+5.1% | $3,332+11.9% |
| Admin fee / account holder | $1,076 | $4,236-74.6% | $5,417-80.1% | $4,645-76.8% |