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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 | $26,834 | $58,587-54.2% | $83,322-67.8% | $64,173-58.2% |
| Participation rate | 73.0% | 72.0%+0.9pp | 77.8%-4.8pp | 69.6%+3.4pp |
| Annual return | 0.00% | 9.65%-9.7pp | 10.64%-10.6pp | 7.63%-7.6pp |
| Employer contribution / active EE | $2,283 | $2,098+8.8% | $3,379-32.4% | $2,381-4.1% |
| Participant deferral / active EE | $4,234 | $4,654-9.0% | $5,565-23.9% | $3,470+22.0% |
| Admin fee / account holder | $2,548 | $9,279-72.5% | $7,540-66.2% | $4,887-47.9% |