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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 | $54,745 | $69,273-21.0% | $90,796-39.7% | $82,637-33.8% |
| Participation rate | 74.5% | 64.0%+10.5pp | 69.5%+5.1pp | 68.1%+6.5pp |
| Annual return | 13.02% | 18.37%-5.4pp | 19.29%-6.3pp | 53.51%-40.5pp |
| Employer contribution / active EE | $771 | $1,865-58.7% | $2,294-66.4% | $2,552-69.8% |
| Participant deferral / active EE | $1,321 | $3,047-56.7% | $3,822-65.4% | $4,126-68.0% |
| Admin fee / account holder | $1,187 | $5,511-78.5% | $7,024-83.1% | $7,339-83.8% |