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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 | $42,728 | $60,349-29.2% | $74,184-42.4% | $62,881-32.0% |
| Participation rate | 90.3% | 72.7%+17.6pp | 76.6%+13.7pp | 69.3%+21.0pp |
| Annual return | 6.38% | 21.38%-15.0pp | 17.74%-11.4pp | 20.14%-13.8pp |
| Employer contribution / active EE | $943 | $1,680-43.9% | $2,370-60.2% | $2,281-58.6% |
| Participant deferral / active EE | $2,549 | $2,856-10.8% | $3,550-28.2% | $3,203-20.4% |
| Admin fee / account holder | $1,301 | $4,261-69.5% | $5,586-76.7% | $4,296-69.7% |