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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 | $52,888 | $69,977-24.4% | $108,582-51.3% | $62,881-15.9% |
| Participation rate | 95.8% | 72.9%+22.9pp | 79.6%+16.3pp | 69.3%+26.5pp |
| Annual return | 6.42% | 10.73%-4.3pp | -51.70%+58.1pp | 20.14%-13.7pp |
| Employer contribution / active EE | $3,243 | $2,135+51.9% | $3,758-13.7% | $2,281+42.2% |
| Participant deferral / active EE | $2,721 | $3,165-14.0% | $4,311-36.9% | $3,203-15.1% |
| Admin fee / account holder | $771 | $5,076-84.8% | $7,645-89.9% | $4,296-82.1% |