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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 | $33,989 | $71,208-52.3% | $93,681-63.7% | $80,911-58.0% |
| Participation rate | 83.7% | 60.4%+23.3pp | 68.7%+14.9pp | 67.6%+16.0pp |
| Annual return | 13.12% | 11.27%+1.9pp | 133.47%-120.3pp | 35.63%-22.5pp |
| Employer contribution / active EE | $807 | $1,564-48.4% | $2,422-66.7% | $2,756-70.7% |
| Participant deferral / active EE | $5,034 | $4,035+24.8% | $4,415+14.0% | $4,297+17.1% |
| Admin fee / account holder | $3,738 | $6,951-46.2% | $8,290-54.9% | $6,935-46.1% |