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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 | $19,603 | $42,383-53.7% | $76,518-74.4% | $64,173-69.5% |
| Participation rate | 75.0% | 58.1%+16.9pp | 68.0%+7.0pp | 69.6%+5.4pp |
| Annual return | -7.82% | -16.54%+8.7pp | -0.27%-7.6pp | 7.63%-15.5pp |
| Employer contribution / active EE | $1,878 | $1,563+20.1% | $2,647-29.1% | $2,381-21.1% |
| Participant deferral / active EE | $4,269 | $2,566+66.3% | $3,836+11.3% | $3,470+23.0% |
| Admin fee / account holder | $525 | $3,198-83.6% | $4,849-89.2% | $4,887-89.3% |