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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 | $32,397 | $41,377-21.7% | $109,313-70.4% | $62,881-48.5% |
| Participation rate | 75.0% | 57.5%+17.5pp | 71.3%+3.7pp | 69.3%+5.7pp |
| Annual return | 5.45% | 11.05%-5.6pp | 22.07%-16.6pp | 20.14%-14.7pp |
| Employer contribution / active EE | $882 | $1,276-30.9% | $3,892-77.3% | $2,281-61.3% |
| Participant deferral / active EE | $3,046 | $2,045+48.9% | $3,166-3.8% | $3,203-4.9% |
| Admin fee / account holder | $4,813 | $2,884+66.9% | $5,666-15.1% | $4,296+12.0% |