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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 | $97,041 | $70,002+38.6% | $115,038-15.6% | $52,331+85.4% |
| Participation rate | 85.1% | 72.1%+13.0pp | 81.4%+3.7pp | 68.1%+17.0pp |
| Annual return | 1.62% | 4.04%-2.4pp | 26.14%-24.5pp | 4.54%-2.9pp |
| Employer contribution / active EE | $479 | $2,715-82.4% | $4,608-89.6% | $1,882-74.5% |
| Participant deferral / active EE | $5,932 | $4,920+20.6% | $6,026-1.6% | $3,022+96.3% |
| Admin fee / account holder | $2,901 | $566+412.5% | $8,175-64.5% | $592+390.4% |