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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 | $34,729 | $69,977-50.4% | $108,582-68.0% | $62,881-44.8% |
| Participation rate | 94.1% | 72.9%+21.2pp | 79.6%+14.5pp | 69.3%+24.8pp |
| Annual return | 8.77% | 10.73%-2.0pp | -51.70%+60.5pp | 20.14%-11.4pp |
| Employer contribution / active EE | $965 | $2,135-54.8% | $3,758-74.3% | $2,281-57.7% |
| Participant deferral / active EE | $1,543 | $3,165-51.2% | $4,311-64.2% | $3,203-51.8% |
| Admin fee / account holder | $3,723 | $5,076-26.7% | $7,645-51.3% | $4,296-13.3% |