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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 | $27,393 | $53,596-48.9% | $90,657-69.8% | $64,173-57.3% |
| Participation rate | 75.0% | 64.5%+10.5pp | 74.0%+1.0pp | 69.6%+5.4pp |
| Annual return | -6.84% | 4.41%-11.3pp | 1.89%-8.7pp | 7.63%-14.5pp |
| Employer contribution / active EE | $1,012 | $1,503-32.6% | $2,532-60.0% | $2,381-57.5% |
| Participant deferral / active EE | $2,064 | $2,459-16.1% | $3,424-39.7% | $3,470-40.5% |
| Admin fee / account holder | $413 | $3,868-89.3% | $4,994-91.7% | $4,887-91.5% |