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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 | $36,757 | $61,660-40.4% | $80,022-54.1% | $64,173-42.7% |
| Participation rate | 74.2% | 71.7%+2.5pp | 75.8%-1.6pp | 69.6%+4.6pp |
| Annual return | -1.41% | -0.33%-1.1pp | 11.22%-12.6pp | 7.63%-9.0pp |
| Employer contribution / active EE | $800 | $1,810-55.8% | $2,468-67.6% | $2,381-66.4% |
| Participant deferral / active EE | $2,436 | $2,968-17.9% | $3,686-33.9% | $3,470-29.8% |
| Admin fee / account holder | $2,463 | $5,417-54.5% | $6,521-62.2% | $4,887-49.6% |