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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 | $25,567 | $43,075-40.6% | $74,577-65.7% | $62,881-59.3% |
| Participation rate | 76.6% | 58.1%+18.5pp | 68.1%+8.5pp | 69.3%+7.3pp |
| Annual return | 6.89% | 17.50%-10.6pp | 20.47%-13.6pp | 20.14%-13.3pp |
| Employer contribution / active EE | $788 | $1,498-47.4% | $2,525-68.8% | $2,281-65.5% |
| Participant deferral / active EE | $1,940 | $2,389-18.8% | $3,458-43.9% | $3,203-39.4% |
| Admin fee / account holder | $774 | $2,840-72.7% | $4,138-81.3% | $4,296-82.0% |