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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 | $28,962 | $69,977-58.6% | $108,582-73.3% | $62,881-53.9% |
| Participation rate | 94.5% | 72.9%+21.6pp | 79.6%+14.9pp | 69.3%+25.2pp |
| Annual return | 9.23% | 10.73%-1.5pp | -51.70%+60.9pp | 20.14%-10.9pp |
| Employer contribution / active EE | $795 | $2,135-62.8% | $3,758-78.8% | $2,281-65.1% |
| Participant deferral / active EE | $3,554 | $3,165+12.3% | $4,311-17.6% | $3,203+11.0% |
| Admin fee / account holder | $1,082 | $5,076-78.7% | $7,645-85.8% | $4,296-74.8% |