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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 | $46,198 | $67,411-31.5% | $91,004-49.2% | $70,126-34.1% |
| Participation rate | 89.7% | 71.4%+18.3pp | 75.6%+14.1pp | 69.5%+20.1pp |
| Annual return | 28.73% | -40.16%+68.9pp | 4.60%+24.1pp | 73.15%-44.4pp |
| Employer contribution / active EE | $962 | $1,786-46.1% | $2,456-60.8% | $2,343-58.9% |
| Participant deferral / active EE | $2,291 | $2,823-18.8% | $3,548-35.4% | $3,332-31.2% |
| Admin fee / account holder | $878 | $4,236-79.3% | $5,417-83.8% | $4,645-81.1% |