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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 | $38,671 | $52,306-26.1% | $69,779-44.6% | $62,881-38.5% |
| Participation rate | 82.9% | 67.2%+15.7pp | 71.8%+11.1pp | 69.3%+13.6pp |
| Annual return | 12.86% | 13.35%-0.5pp | 12.99%-0.1pp | 20.14%-7.3pp |
| Employer contribution / active EE | $707 | $1,799-60.7% | $2,338-69.8% | $2,281-69.0% |
| Participant deferral / active EE | $3,498 | $2,395+46.1% | $2,931+19.4% | $3,203+9.2% |
| Admin fee / account holder | $1,369 | $3,691-62.9% | $4,381-68.8% | $4,296-68.1% |