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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 | $7,795 | $55,932-86.1% | $76,735-89.8% | $67,986-88.5% |
| Participation rate | 70.3% | 50.8%+19.5pp | 69.5%+0.8pp | 57.2%+13.1pp |
| Annual return | 22.98% | 23.10%-0.1pp | 29.77%-6.8pp | 31.67%-8.7pp |
| Employer contribution / active EE | $792 | $1,487-46.8% | $2,454-67.7% | $2,019-60.8% |
| Participant deferral / active EE | $1,934 | $2,558-24.4% | $4,088-52.7% | $3,358-42.4% |
| Admin fee / account holder | $1,108 | $4,907-77.4% | $7,189-84.6% | $3,203-65.4% |