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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 | $54,775 | $62,589-12.5% | $76,768-28.6% | $64,173-14.6% |
| Participation rate | 76.2% | 72.8%+3.4pp | 77.0%-0.8pp | 69.6%+6.6pp |
| Annual return | -3.77% | -1.95%-1.8pp | 2.43%-6.2pp | 7.63%-11.4pp |
| Employer contribution / active EE | $615 | $1,832-66.4% | $2,485-75.3% | $2,381-74.2% |
| Participant deferral / active EE | $2,643 | $3,145-16.0% | $3,852-31.4% | $3,470-23.8% |
| Admin fee / account holder | $1,236 | $4,667-73.5% | $6,675-81.5% | $4,887-74.7% |