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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 | $33,478 | $56,484-40.7% | $169,452-80.2% | $64,173-47.8% |
| Participation rate | 74.0% | 64.5%+9.5pp | 77.8%-3.8pp | 69.6%+4.4pp |
| Annual return | -4.88% | -1.55%-3.3pp | 1.83%-6.7pp | 7.63%-12.5pp |
| Employer contribution / active EE | $1,188 | $1,832-35.1% | $4,157-71.4% | $2,381-50.1% |
| Participant deferral / active EE | $3,630 | $3,448+5.3% | $5,277-31.2% | $3,470+4.6% |
| Admin fee / account holder | $1,207 | $4,174-71.1% | $9,110-86.7% | $4,887-75.3% |