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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 | $33,579 | $60,349-44.4% | $74,184-54.7% | $62,881-46.6% |
| Participation rate | 81.6% | 72.7%+8.9pp | 76.6%+5.0pp | 69.3%+12.3pp |
| Annual return | 6.68% | 21.38%-14.7pp | 17.74%-11.1pp | 20.14%-13.5pp |
| Employer contribution / active EE | $366 | $1,680-78.2% | $2,370-84.6% | $2,281-84.0% |
| Participant deferral / active EE | $1,650 | $2,856-42.2% | $3,550-53.5% | $3,203-48.5% |
| Admin fee / account holder | $2,768 | $4,261-35.0% | $5,586-50.4% | $4,296-35.6% |