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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 | $42,650 | $49,025-13.0% | $87,507-51.3% | $62,891-32.2% |
| Participation rate | 73.6% | 64.9%+8.7pp | 73.8%-0.2pp | 69.3%+4.3pp |
| Annual return | 5.86% | 10.02%-4.2pp | 12.21%-6.4pp | 20.14%-14.3pp |
| Employer contribution / active EE | $545 | $1,372-60.3% | $2,550-78.6% | $2,281-76.1% |
| Participant deferral / active EE | $4,168 | $2,289+82.0% | $3,149+32.4% | $3,203+30.1% |
| Admin fee / account holder | $6,515 | $4,065+60.2% | $4,221+54.4% | $4,296+51.7% |