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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 | $25,706 | $84,518-69.6% | $67,704-62.0% | $125,388-79.5% |
| Participation rate | 70.8% | 74.8%-4.0pp | 67.5%+3.3pp | 83.2%-12.4pp |
| Annual return | -2.32% | 2.57%-4.9pp | 25.41%-27.7pp | 282.24%-284.6pp |
| Employer contribution / active EE | $1,593 | $3,292-51.6% | $2,559-37.8% | $4,866-67.3% |
| Participant deferral / active EE | $2,682 | $4,430-39.5% | $3,585-25.2% | $5,352-49.9% |
| Admin fee / account holder | $381 | $5,340-92.9% | $4,255-91.0% | $9,541-96.0% |