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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 | $33,948 | $60,349-43.7% | $74,184-54.2% | $62,881-46.0% |
| Participation rate | 80.6% | 72.7%+7.9pp | 76.6%+4.0pp | 69.3%+11.3pp |
| Annual return | 7.82% | 21.38%-13.6pp | 17.74%-9.9pp | 20.14%-12.3pp |
| Employer contribution / active EE | $433 | $1,680-74.2% | $2,370-81.7% | $2,281-81.0% |
| Participant deferral / active EE | $2,144 | $2,856-24.9% | $3,550-39.6% | $3,203-33.1% |
| Admin fee / account holder | $1,408 | $4,261-67.0% | $5,586-74.8% | $4,296-67.2% |