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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 | $52,015 | $60,349-13.8% | $74,184-29.9% | $62,881-17.3% |
| Participation rate | 74.7% | 72.7%+1.9pp | 76.6%-2.0pp | 69.3%+5.4pp |
| Annual return | 8.26% | 21.38%-13.1pp | 17.74%-9.5pp | 20.14%-11.9pp |
| Employer contribution / active EE | $452 | $1,680-73.1% | $2,370-80.9% | $2,281-80.2% |
| Participant deferral / active EE | $2,192 | $2,856-23.3% | $3,550-38.3% | $3,203-31.6% |
| Admin fee / account holder | $431 | $4,261-89.9% | $5,586-92.3% | $4,296-90.0% |