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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 | $14,736 | $42,910-65.7% | $60,919-75.8% | $68,490-78.5% |
| Participation rate | 78.0% | 66.8%+11.2pp | 73.1%+4.9pp | 67.9%+10.1pp |
| Annual return | -15.32% | -13.99%-1.3pp | 16.96%-32.3pp | -7.85%-7.5pp |
| Employer contribution / active EE | $4,366 | $1,978+120.7% | $2,704+61.5% | $2,597+68.2% |
| Participant deferral / active EE | $3,860 | $2,866+34.7% | $3,814+1.2% | $4,028-4.2% |
| Admin fee / account holder | $1,973 | $3,104-36.4% | $3,228-38.9% | $5,403-63.5% |