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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 | $54,095 | $67,411-19.8% | $91,004-40.6% | $70,126-22.9% |
| Participation rate | 78.7% | 71.4%+7.3pp | 75.6%+3.1pp | 69.5%+9.1pp |
| Annual return | 16.94% | -40.16%+57.1pp | 4.60%+12.3pp | 73.15%-56.2pp |
| Employer contribution / active EE | $1,508 | $1,786-15.6% | $2,456-38.6% | $2,343-35.6% |
| Participant deferral / active EE | $4,730 | $2,823+67.6% | $3,548+33.3% | $3,332+42.0% |
| Admin fee / account holder | $935 | $4,236-77.9% | $5,417-82.7% | $4,645-79.9% |