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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 | $44,396 | $76,401-41.9% | $106,387-58.3% | $64,173-30.8% |
| Participation rate | 100.0% | 73.5%+26.5pp | 77.5%+22.5pp | 69.6%+30.4pp |
| Annual return | 0.86% | -2.19%+3.1pp | 0.25%+0.6pp | 7.63%-6.8pp |
| Employer contribution / active EE | $1,796 | $2,680-33.0% | $3,520-49.0% | $2,381-24.6% |
| Participant deferral / active EE | $3,469 | $4,274-18.8% | $5,421-36.0% | $3,4700% |
| Admin fee / account holder | $3,779 | $4,610-18.0% | $7,510-49.7% | $4,887-22.7% |