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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 | $32,510 | $32,037+1.5% | $69,182-53.0% | $62,881-48.3% |
| Participation rate | 80.6% | 43.4%+37.2pp | 55.1%+25.5pp | 69.3%+11.3pp |
| Annual return | 7.23% | 15.16%-7.9pp | -21.93%+29.2pp | 20.14%-12.9pp |
| Employer contribution / active EE | $1,140 | $679+67.9% | $1,206-5.5% | $2,281-50.0% |
| Participant deferral / active EE | $2,553 | $1,185+115.4% | $1,897+34.6% | $3,203-20.3% |
| Admin fee / account holder | $2,008 | $2,608-23.0% | $2,697-25.5% | $4,296-53.3% |