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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 | $37,632 | $67,411-44.2% | $91,004-58.6% | $70,124-46.3% |
| Participation rate | 92.0% | 71.4%+20.6pp | 75.6%+16.4pp | 69.5%+22.4pp |
| Annual return | 14.46% | -40.16%+54.6pp | 4.60%+9.9pp | 73.14%-58.7pp |
| Employer contribution / active EE | $2,162 | $1,786+21.0% | $2,456-12.0% | $2,342-7.7% |
| Participant deferral / active EE | $3,416 | $2,823+21.0% | $3,548-3.7% | $3,332+2.5% |
| Admin fee / account holder | $3,713 | $4,236-12.3% | $5,417-31.5% | $4,645-20.1% |