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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 | $45,082 | $105,623-57.3% | $87,502-48.5% | $273,972-83.5% |
| Participation rate | 84.6% | 78.2%+6.4pp | 73.8%+10.8pp | 83.0%+1.6pp |
| Annual return | 4.05% | 12.26%-8.2pp | 12.21%-8.2pp | 41.46%-37.4pp |
| Employer contribution / active EE | $1,386 | $3,141-55.9% | $2,550-45.6% | $4,869-71.5% |
| Participant deferral / active EE | $1,908 | $3,601-47.0% | $3,149-39.4% | $5,287-63.9% |
| Admin fee / account holder | $3,608 | $4,781-24.5% | $4,221-14.5% | $10,133-64.4% |