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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 | $61,937 | $52,836+17.2% | $105,736-41.4% | $64,173-3.5% |
| Participation rate | 71.7% | 66.5%+5.2pp | 76.3%-4.6pp | 69.6%+2.2pp |
| Annual return | -3.41% | 14.30%-17.7pp | 6.27%-9.7pp | 7.63%-11.0pp |
| Employer contribution / active EE | $818 | $1,827-55.2% | $3,268-75.0% | $2,381-65.7% |
| Participant deferral / active EE | $1,952 | $2,545-23.3% | $4,080-52.2% | $3,470-43.7% |
| Admin fee / account holder | $1,513 | $3,959-61.8% | $6,913-78.1% | $4,887-69.0% |