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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 | $27,641 | $57,108-51.6% | $94,228-70.7% | $52,331-47.2% |
| Participation rate | 78.3% | 72.9%+5.4pp | 78.8%-0.4pp | 68.1%+10.2pp |
| Annual return | -0.86% | 1.47%-2.3pp | 10.68%-11.5pp | 4.54%-5.4pp |
| Employer contribution / active EE | $1,614 | $1,735-7.0% | $3,587-55.0% | $1,882-14.2% |
| Participant deferral / active EE | $2,618 | $3,040-13.9% | $4,320-39.4% | $3,022-13.4% |
| Admin fee / account holder | $943 | $546+72.5% | $6,269-85.0% | $592+59.4% |