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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 | $46,884 | $67,411-30.5% | $91,004-48.5% | $70,126-33.1% |
| Participation rate | 76.9% | 71.4%+5.6pp | 75.6%+1.3pp | 69.5%+7.4pp |
| Annual return | 15.74% | -40.16%+55.9pp | 4.60%+11.1pp | 73.15%-57.4pp |
| Employer contribution / active EE | $1,306 | $1,786-26.9% | $2,456-46.8% | $2,343-44.3% |
| Participant deferral / active EE | $2,107 | $2,823-25.4% | $3,548-40.6% | $3,332-36.8% |
| Admin fee / account holder | $2,365 | $4,236-44.2% | $5,417-56.4% | $4,645-49.1% |