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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 | $46,091 | $72,486-36.4% | $87,103-47.1% | $72,976-36.8% |
| Participation rate | 87.0% | 72.8%+14.1pp | 76.9%+10.1pp | 69.5%+17.5pp |
| Annual return | 22.53% | 24.46%-1.9pp | 28.19%-5.7pp | 81.02%-58.5pp |
| Employer contribution / active EE | $1,008 | $1,894-46.8% | $2,521-60.0% | $2,440-58.7% |
| Participant deferral / active EE | $2,327 | $3,270-28.8% | $4,049-42.5% | $3,608-35.5% |
| Admin fee / account holder | $302 | $5,055-94.0% | $7,491-96.0% | $5,124-94.1% |