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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 | $54,568 | $69,977-22.0% | $108,582-49.7% | $62,881-13.2% |
| Participation rate | 73.7% | 72.9%+0.8pp | 79.6%-5.9pp | 69.3%+4.4pp |
| Annual return | 4.87% | 10.73%-5.9pp | -51.70%+56.6pp | 20.14%-15.3pp |
| Employer contribution / active EE | $624 | $2,135-70.8% | $3,758-83.4% | $2,281-72.7% |
| Participant deferral / active EE | $1,436 | $3,165-54.6% | $4,311-66.7% | $3,203-55.2% |
| Admin fee / account holder | $839 | $5,076-83.5% | $7,645-89.0% | $4,296-80.5% |