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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 | $32,044 | $58,587-45.3% | $83,322-61.5% | $64,173-50.1% |
| Participation rate | 81.2% | 72.0%+9.2pp | 77.8%+3.4pp | 69.6%+11.6pp |
| Annual return | -2.91% | 9.65%-12.6pp | 10.64%-13.5pp | 7.63%-10.5pp |
| Employer contribution / active EE | $500 | $2,098-76.2% | $3,379-85.2% | $2,381-79.0% |
| Participant deferral / active EE | $2,827 | $4,654-39.3% | $5,565-49.2% | $3,470-18.5% |
| Admin fee / account holder | $311 | $9,279-96.7% | $7,540-95.9% | $4,887-93.6% |