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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 | $31,519 | $60,349-47.8% | $74,184-57.5% | $62,881-49.9% |
| Participation rate | 84.2% | 72.7%+11.5pp | 76.6%+7.6pp | 69.3%+14.9pp |
| Annual return | 4.80% | 21.38%-16.6pp | 17.74%-12.9pp | 20.14%-15.3pp |
| Employer contribution / active EE | $625 | $1,680-62.8% | $2,370-73.6% | $2,281-72.6% |
| Participant deferral / active EE | $2,107 | $2,856-26.2% | $3,550-40.7% | $3,203-34.2% |
| Admin fee / account holder | $2,487 | $4,261-41.6% | $5,586-55.5% | $4,296-42.1% |