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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 | $36,908 | $59,440-37.9% | $78,004-52.7% | $82,637-55.3% |
| Participation rate | 89.1% | 62.8%+26.2pp | 69.4%+19.6pp | 68.1%+21.0pp |
| Annual return | 15.54% | 40.24%-24.7pp | 31.07%-15.5pp | 53.51%-38.0pp |
| Employer contribution / active EE | $847 | $1,750-51.6% | $2,469-65.7% | $2,552-66.8% |
| Participant deferral / active EE | $2,809 | $3,138-10.5% | $4,092-31.4% | $4,126-31.9% |
| Admin fee / account holder | $1,125 | $5,504-79.6% | $7,578-85.2% | $7,339-84.7% |