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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 | $40,021 | $58,600-31.7% | $83,327-52.0% | $64,173-37.6% |
| Participation rate | 94.1% | 72.0%+22.1pp | 77.8%+16.4pp | 69.6%+24.5pp |
| Annual return | -7.26% | 9.66%-16.9pp | 10.64%-17.9pp | 7.63%-14.9pp |
| Employer contribution / active EE | $940 | $2,098-55.2% | $3,379-72.2% | $2,381-60.5% |
| Participant deferral / active EE | $5,324 | $4,656+14.4% | $5,565-4.3% | $3,470+53.4% |
| Admin fee / account holder | $1,862 | $9,282-79.9% | $7,540-75.3% | $4,887-61.9% |