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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 | $26,355 | $56,894-53.7% | $84,753-68.9% | $62,881-58.1% |
| Participation rate | 77.3% | 68.5%+8.7pp | 76.6%+0.7pp | 69.3%+8.0pp |
| Annual return | 6.94% | 6.30%+0.6pp | 22.78%-15.8pp | 20.14%-13.2pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,714 | $2,709-36.7% | $3,712-53.8% | $3,203-46.5% |
| Admin fee / account holder | $581 | $3,581-83.8% | $5,333-89.1% | $4,296-86.5% |