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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 | $59,497 | $62,583-4.9% | $76,767-22.5% | $64,173-7.3% |
| Participation rate | 85.7% | 72.8%+12.9pp | 77.0%+8.8pp | 69.6%+16.1pp |
| Annual return | -1.08% | -1.95%+0.9pp | 2.43%-3.5pp | 7.63%-8.7pp |
| Employer contribution / active EE | $1,567 | $1,832-14.5% | $2,485-36.9% | $2,381-34.2% |
| Participant deferral / active EE | $2,015 | $3,145-35.9% | $3,852-47.7% | $3,470-41.9% |
| Admin fee / account holder | $1,252 | $4,667-73.2% | $6,675-81.2% | $4,887-74.4% |