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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 | $73,846 | $58,587+26.0% | $83,322-11.4% | $64,173+15.1% |
| Participation rate | 73.1% | 72.0%+1.1pp | 77.8%-4.7pp | 69.6%+3.5pp |
| Annual return | -6.87% | 9.65%-16.5pp | 10.64%-17.5pp | 7.63%-14.5pp |
| Employer contribution / active EE | $577 | $2,098-72.5% | $3,379-82.9% | $2,381-75.8% |
| Participant deferral / active EE | $4,887 | $4,654+5.0% | $5,565-12.2% | $3,470+40.8% |
| Admin fee / account holder | $1,530 | $9,279-83.5% | $7,540-79.7% | $4,887-68.7% |