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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 | $52,518 | $63,471-17.3% | $68,803-23.7% | $66,949-21.6% |
| Participation rate | 96.2% | 60.0%+36.2pp | 69.0%+27.2pp | 69.8%+26.4pp |
| Annual return | 1.77% | -8.29%+10.1pp | -6.37%+8.1pp | 1.57%+0.2pp |
| Employer contribution / active EE | $2,448 | $1,776+37.8% | $2,656-7.8% | $2,545-3.8% |
| Participant deferral / active EE | $3,122 | $2,946+6.0% | $3,942-20.8% | $4,239-26.4% |
| Admin fee / account holder | $7,703 | $578+1233.0% | $4,936+56.1% | $594+1197.7% |