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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 | $59,831 | $69,977-14.5% | $108,582-44.9% | $62,881-4.9% |
| Participation rate | 70.9% | 72.9%-2.0pp | 79.6%-8.6pp | 69.3%+1.6pp |
| Annual return | 12.21% | 10.73%+1.5pp | -51.70%+63.9pp | 20.14%-7.9pp |
| Employer contribution / active EE | $515 | $2,135-75.9% | $3,758-86.3% | $2,281-77.4% |
| Participant deferral / active EE | $3,524 | $3,165+11.3% | $4,311-18.3% | $3,203+10.0% |
| Admin fee / account holder | $309 | $5,076-93.9% | $7,645-96.0% | $4,296-92.8% |