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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 | $79,664 | $67,411+18.2% | $91,004-12.5% | $70,126+13.6% |
| Participation rate | 93.5% | 71.4%+22.2pp | 75.6%+17.9pp | 69.5%+24.0pp |
| Annual return | 12.93% | -40.16%+53.1pp | 4.60%+8.3pp | 73.15%-60.2pp |
| Employer contribution / active EE | $1,274 | $1,786-28.7% | $2,456-48.1% | $2,343-45.6% |
| Participant deferral / active EE | $3,566 | $2,823+26.3% | $3,548+0.5% | $3,332+7.0% |
| Admin fee / account holder | $3,637 | $4,236-14.1% | $5,417-32.9% | $4,645-21.7% |