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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 | $29,195 | $67,411-56.7% | $91,004-67.9% | $70,124-58.4% |
| Participation rate | 70.6% | 71.4%-0.8pp | 75.6%-5.0pp | 69.5%+1.0pp |
| Annual return | 20.98% | -40.16%+61.1pp | 4.60%+16.4pp | 73.14%-52.2pp |
| Employer contribution / active EE | $1,574 | $1,786-11.9% | $2,456-35.9% | $2,342-32.8% |
| Participant deferral / active EE | $2,091 | $2,823-25.9% | $3,548-41.1% | $3,332-37.2% |
| Admin fee / account holder | $625 | $4,236-85.2% | $5,417-88.5% | $4,645-86.5% |