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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 | $37,278 | $62,589-40.4% | $76,768-51.4% | $64,173-41.9% |
| Participation rate | 72.7% | 72.8%-0.1pp | 77.0%-4.2pp | 69.6%+3.2pp |
| Annual return | -5.89% | -1.95%-3.9pp | 2.43%-8.3pp | 7.63%-13.5pp |
| Employer contribution / active EE | $509 | $1,832-72.2% | $2,485-79.5% | $2,381-78.6% |
| Participant deferral / active EE | $2,387 | $3,145-24.1% | $3,852-38.0% | $3,470-31.2% |
| Admin fee / account holder | $659 | $4,667-85.9% | $6,675-90.1% | $4,887-86.5% |