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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 | $50,210 | $67,411-25.5% | $91,004-44.8% | $70,126-28.4% |
| Participation rate | 86.4% | 71.4%+15.0pp | 75.6%+10.8pp | 69.5%+16.8pp |
| Annual return | 17.00% | -40.16%+57.2pp | 4.60%+12.4pp | 73.15%-56.1pp |
| Employer contribution / active EE | $581 | $1,786-67.4% | $2,456-76.3% | $2,343-75.2% |
| Participant deferral / active EE | $2,052 | $2,823-27.3% | $3,548-42.1% | $3,332-38.4% |
| Admin fee / account holder | $4,543 | $4,236+7.2% | $5,417-16.1% | $4,645-2.2% |