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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 | $25,036 | $62,583-60.0% | $76,767-67.4% | $64,173-61.0% |
| Participation rate | 85.0% | 72.8%+12.2pp | 77.0%+8.0pp | 69.6%+15.4pp |
| Annual return | -4.81% | -1.95%-2.9pp | 2.43%-7.2pp | 7.63%-12.4pp |
| Employer contribution / active EE | $1,634 | $1,832-10.8% | $2,485-34.2% | $2,381-31.4% |
| Participant deferral / active EE | $2,994 | $3,145-4.8% | $3,852-22.3% | $3,470-13.7% |
| Admin fee / account holder | $2,019 | $4,667-56.7% | $6,675-69.8% | $4,887-58.7% |