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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 | $92,023 | $62,586+47.0% | $76,766+19.9% | $64,181+43.4% |
| Participation rate | 76.5% | 72.8%+3.7pp | 77.0%-0.5pp | 69.6%+6.9pp |
| Annual return | -6.57% | -1.95%-4.6pp | 2.43%-9.0pp | 7.63%-14.2pp |
| Employer contribution / active EE | $564 | $1,832-69.2% | $2,485-77.3% | $2,381-76.3% |
| Participant deferral / active EE | $4,595 | $3,145+46.1% | $3,851+19.3% | $3,470+32.4% |
| Admin fee / account holder | $16,254 | $4,667+248.3% | $6,675+143.5% | $4,887+232.6% |