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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 | $31,800 | $56,339-43.6% | $104,301-69.5% | $68,486-53.6% |
| Participation rate | 82.5% | 63.3%+19.2pp | 73.3%+9.2pp | 67.9%+14.6pp |
| Annual return | 7.75% | -9.19%+16.9pp | 24.61%-16.9pp | -7.85%+15.6pp |
| Employer contribution / active EE | $846 | $1,960-56.8% | $3,373-74.9% | $2,597-67.4% |
| Participant deferral / active EE | $2,040 | $3,077-33.7% | $4,626-55.9% | $4,028-49.4% |
| Admin fee / account holder | $1,034 | $4,902-78.9% | $7,340-85.9% | $5,404-80.9% |