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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 | $25,796 | $54,380-52.6% | $68,509-62.3% | $59,633-56.7% |
| Participation rate | 72.4% | 70.2%+2.2pp | 74.7%-2.3pp | 68.7%+3.7pp |
| Annual return | 3.18% | 2.83%+0.3pp | 8.27%-5.1pp | 2041.45%-2038.3pp |
| Employer contribution / active EE | $1,051 | $1,539-31.7% | $2,278-53.9% | $2,203-52.3% |
| Participant deferral / active EE | $4,640 | $2,643+75.6% | $3,382+37.2% | $3,192+45.4% |
| Admin fee / account holder | $4,786 | $3,885+23.2% | $5,275-9.3% | $4,297+11.4% |