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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 | $42,801 | $60,349-29.1% | $74,184-42.3% | $62,881-31.9% |
| Participation rate | 80.0% | 72.7%+7.3pp | 76.6%+3.4pp | 69.3%+10.7pp |
| Annual return | 6.40% | 21.38%-15.0pp | 17.74%-11.3pp | 20.14%-13.7pp |
| Employer contribution / active EE | $1,030 | $1,680-38.7% | $2,370-56.5% | $2,281-54.8% |
| Participant deferral / active EE | $4,578 | $2,856+60.3% | $3,550+29.0% | $3,203+42.9% |
| Admin fee / account holder | $704 | $4,261-83.5% | $5,586-87.4% | $4,296-83.6% |