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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 | $31,438 | $65,704-52.2% | $94,229-66.6% | $59,633-47.3% |
| Participation rate | 81.6% | 72.1%+9.5pp | 78.8%+2.9pp | 68.7%+13.0pp |
| Annual return | 4.89% | 5.22%-0.3pp | 10.68%-5.8pp | 2041.45%-2036.6pp |
| Employer contribution / active EE | $1,012 | $2,021-49.9% | $3,587-71.8% | $2,203-54.0% |
| Participant deferral / active EE | $2,964 | $3,143-5.7% | $4,320-31.4% | $3,192-7.1% |
| Admin fee / account holder | $1,578 | $4,265-63.0% | $6,269-74.8% | $4,297-63.3% |