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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 | $27,399 | $88,707-69.1% | $74,184-63.1% | $273,972-90.0% |
| Participation rate | 70.0% | 79.4%-9.4pp | 76.6%-6.6pp | 83.0%-13.0pp |
| Annual return | 3.90% | 11.94%-8.0pp | 17.74%-13.8pp | 41.46%-37.6pp |
| Employer contribution / active EE | $3,852 | $3,159+21.9% | $2,370+62.5% | $4,869-20.9% |
| Participant deferral / active EE | $1,240 | $4,212-70.5% | $3,550-65.1% | $5,287-76.5% |
| Admin fee / account holder | $460 | $8,717-94.7% | $5,586-91.8% | $10,133-95.5% |