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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 | $51,147 | $42,383+20.7% | $76,518-33.2% | $64,173-20.3% |
| Participation rate | 72.4% | 58.1%+14.3pp | 68.0%+4.4pp | 69.6%+2.8pp |
| Annual return | -3.37% | -16.54%+13.2pp | -0.27%-3.1pp | 7.63%-11.0pp |
| Employer contribution / active EE | $880 | $1,563-43.7% | $2,647-66.7% | $2,381-63.0% |
| Participant deferral / active EE | $1,625 | $2,566-36.7% | $3,836-57.6% | $3,470-53.2% |
| Admin fee / account holder | $6,056 | $3,198+89.4% | $4,849+24.9% | $4,887+23.9% |