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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 | $44,679 | $58,523-23.7% | $99,475-55.1% | $72,975-38.8% |
| Participation rate | 85.7% | 64.6%+21.1pp | 73.8%+11.9pp | 69.5%+16.2pp |
| Annual return | 16.92% | 28.51%-11.6pp | 30.72%-13.8pp | 81.01%-64.1pp |
| Employer contribution / active EE | $814 | $1,512-46.1% | $2,540-67.9% | $2,440-66.6% |
| Participant deferral / active EE | $2,246 | $2,606-13.8% | $3,619-37.9% | $3,608-37.7% |
| Admin fee / account holder | $1,740 | $4,102-57.6% | $6,252-72.2% | $5,124-66.0% |