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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 | $44,757 | $54,162-17.4% | $68,612-34.8% | $64,173-30.3% |
| Participation rate | 74.3% | 68.1%+6.2pp | 72.2%+2.0pp | 69.6%+4.7pp |
| Annual return | 1.88% | -1.62%+3.5pp | -4.63%+6.5pp | 7.63%-5.8pp |
| Employer contribution / active EE | $847 | $1,846-54.1% | $2,625-67.7% | $2,381-64.4% |
| Participant deferral / active EE | $4,152 | $2,626+58.1% | $3,311+25.4% | $3,470+19.7% |
| Admin fee / account holder | $1,327 | $4,029-67.1% | $5,131-74.1% | $4,887-72.8% |