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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 | $94,446 | $67,411+40.1% | $91,004+3.8% | $70,126+34.7% |
| Participation rate | 96.0% | 71.4%+24.6pp | 75.6%+20.4pp | 69.5%+26.5pp |
| Annual return | 18.19% | -40.16%+58.4pp | 4.60%+13.6pp | 73.15%-55.0pp |
| Employer contribution / active EE | $628 | $1,786-64.9% | $2,456-74.4% | $2,343-73.2% |
| Participant deferral / active EE | $5,183 | $2,823+83.6% | $3,548+46.1% | $3,332+55.6% |
| Admin fee / account holder | $1,687 | $4,236-60.2% | $5,417-68.9% | $4,645-63.7% |