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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 | $35,097 | $86,701-59.5% | $73,309-52.1% | $125,389-72.0% |
| Participation rate | 75.0% | 78.6%-3.6pp | 74.9%+0.1pp | 83.2%-8.2pp |
| Annual return | -1.40% | 2.78%-4.2pp | 5.67%-7.1pp | 282.24%-283.6pp |
| Employer contribution / active EE | $2,524 | $4,152-39.2% | $3,237-22.0% | $4,866-48.1% |
| Participant deferral / active EE | $4,446 | $5,549-19.9% | $4,991-10.9% | $5,352-16.9% |
| Admin fee / account holder | $594 | $7,768-92.4% | $5,635-89.5% | $9,541-93.8% |