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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 | $59,397 | $61,660-3.7% | $80,022-25.8% | $64,173-7.4% |
| Participation rate | 71.8% | 71.7%+0.1pp | 75.8%-4.0pp | 69.6%+2.3pp |
| Annual return | -2.54% | -0.33%-2.2pp | 11.22%-13.8pp | 7.63%-10.2pp |
| Employer contribution / active EE | $1,119 | $1,810-38.2% | $2,468-54.6% | $2,381-53.0% |
| Participant deferral / active EE | $3,051 | $2,968+2.8% | $3,686-17.2% | $3,470-12.1% |
| Admin fee / account holder | $1,786 | $5,417-67.0% | $6,521-72.6% | $4,887-63.5% |