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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 | $69,271 | $67,411+2.8% | $91,004-23.9% | $70,126-1.2% |
| Participation rate | 100.0% | 71.4%+28.6pp | 75.6%+24.4pp | 69.5%+30.5pp |
| Annual return | 20.92% | -40.16%+61.1pp | 4.60%+16.3pp | 73.15%-52.2pp |
| Employer contribution / active EE | $1,399 | $1,786-21.7% | $2,456-43.0% | $2,343-40.3% |
| Participant deferral / active EE | $3,070 | $2,823+8.8% | $3,548-13.5% | $3,332-7.8% |
| Admin fee / account holder | $2,854 | $4,236-32.6% | $5,417-47.3% | $4,645-38.6% |