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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 | $22,278 | $57,350-61.2% | $83,850-73.4% | $64,181-65.3% |
| Participation rate | 76.6% | 68.6%+8.0pp | 76.1%+0.5pp | 69.6%+7.0pp |
| Annual return | -6.88% | 11.38%-18.3pp | 850.92%-857.8pp | 7.63%-14.5pp |
| Employer contribution / active EE | $1,749 | $2,545-31.3% | $3,631-51.8% | $2,381-26.5% |
| Participant deferral / active EE | $2,598 | $2,993-13.2% | $4,082-36.4% | $3,470-25.1% |
| Admin fee / account holder | $1,716 | $4,046-57.6% | $5,478-68.7% | $4,887-64.9% |