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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 | $38,643 | $60,352-36.0% | $74,185-47.9% | $62,881-38.5% |
| Participation rate | 81.4% | 72.7%+8.7pp | 76.6%+4.8pp | 69.3%+12.1pp |
| Annual return | 8.14% | 21.37%-13.2pp | 17.74%-9.6pp | 20.14%-12.0pp |
| Employer contribution / active EE | $897 | $1,680-46.6% | $2,370-62.2% | $2,281-60.7% |
| Participant deferral / active EE | $1,926 | $2,856-32.6% | $3,550-45.7% | $3,203-39.9% |
| Admin fee / account holder | $1,631 | $4,261-61.7% | $5,586-70.8% | $4,296-62.0% |