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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 | $38,973 | $93,064-58.1% | $74,577-47.7% | $273,972-85.8% |
| Participation rate | 81.8% | 74.9%+6.9pp | 68.1%+13.7pp | 83.0%-1.2pp |
| Annual return | 4.54% | 26.18%-21.6pp | 20.47%-15.9pp | 41.46%-36.9pp |
| Employer contribution / active EE | $1,463 | $3,160-53.7% | $2,525-42.1% | $4,869-70.0% |
| Participant deferral / active EE | $2,634 | $4,160-36.7% | $3,458-23.8% | $5,287-50.2% |
| Admin fee / account holder | $851 | $5,273-83.9% | $4,138-79.4% | $10,133-91.6% |