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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 | $38,052 | $67,411-43.6% | $91,004-58.2% | $70,126-45.7% |
| Participation rate | 86.8% | 71.4%+15.5pp | 75.6%+11.2pp | 69.5%+17.3pp |
| Annual return | 15.25% | -40.16%+55.4pp | 4.60%+10.7pp | 73.15%-57.9pp |
| Employer contribution / active EE | $1,111 | $1,786-37.8% | $2,456-54.8% | $2,343-52.6% |
| Participant deferral / active EE | $3,360 | $2,823+19.0% | $3,548-5.3% | $3,332+0.8% |
| Admin fee / account holder | $4,398 | $4,236+3.8% | $5,417-18.8% | $4,645-5.3% |