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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 | $43,251 | $60,349-28.3% | $74,184-41.7% | $62,881-31.2% |
| Participation rate | 96.6% | 72.7%+23.8pp | 76.6%+19.9pp | 69.3%+27.2pp |
| Annual return | 4.84% | 21.38%-16.5pp | 17.74%-12.9pp | 20.14%-15.3pp |
| Employer contribution / active EE | $492 | $1,680-70.7% | $2,370-79.2% | $2,281-78.4% |
| Participant deferral / active EE | $1,943 | $2,856-32.0% | $3,550-45.3% | $3,203-39.3% |
| Admin fee / account holder | $1,954 | $4,261-54.2% | $5,586-65.0% | $4,296-54.5% |