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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 | $28,101 | $67,411-58.3% | $91,004-69.1% | $70,126-59.9% |
| Participation rate | 96.6% | 71.4%+25.2pp | 75.6%+20.9pp | 69.5%+27.0pp |
| Annual return | 29.32% | -40.16%+69.5pp | 4.60%+24.7pp | 73.15%-43.8pp |
| Employer contribution / active EE | $1,490 | $1,786-16.6% | $2,456-39.3% | $2,343-36.4% |
| Participant deferral / active EE | $3,311 | $2,823+17.3% | $3,548-6.7% | $3,332-0.6% |
| Admin fee / account holder | $1,758 | $4,236-58.5% | $5,417-67.5% | $4,645-62.2% |