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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 | $41,150 | $60,349-31.8% | $74,184-44.5% | $62,881-34.6% |
| Participation rate | 80.9% | 72.7%+8.1pp | 76.6%+4.2pp | 69.3%+11.5pp |
| Annual return | 6.81% | 21.38%-14.6pp | 17.74%-10.9pp | 20.14%-13.3pp |
| Employer contribution / active EE | $733 | $1,680-56.4% | $2,370-69.1% | $2,281-67.8% |
| Participant deferral / active EE | $1,925 | $2,856-32.6% | $3,550-45.8% | $3,203-39.9% |
| Admin fee / account holder | $2,509 | $4,261-41.1% | $5,586-55.1% | $4,296-41.6% |