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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 | $37,331 | $60,349-38.1% | $74,184-49.7% | $62,881-40.6% |
| Participation rate | 76.7% | 72.7%+3.9pp | 76.6%0pp | 69.3%+7.4pp |
| Annual return | 5.32% | 21.38%-16.1pp | 17.74%-12.4pp | 20.14%-14.8pp |
| Employer contribution / active EE | $1,154 | $1,680-31.3% | $2,370-51.3% | $2,281-49.4% |
| Participant deferral / active EE | $4,384 | $2,856+53.5% | $3,550+23.5% | $3,203+36.9% |
| Admin fee / account holder | $440 | $4,261-89.7% | $5,586-92.1% | $4,296-89.8% |