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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 | $11,620 | $73,863-84.3% | $143,797-91.9% | $68,490-83.0% |
| Participation rate | 81.8% | 66.7%+15.2pp | 80.3%+1.5pp | 67.9%+13.9pp |
| Annual return | -17.17% | 0.91%-18.1pp | -0.04%-17.1pp | -7.85%-9.3pp |
| Employer contribution / active EE | $1,025 | $3,185-67.8% | $4,952-79.3% | $2,597-60.5% |
| Participant deferral / active EE | $2,564 | $3,385-24.3% | $5,638-54.5% | $4,028-36.3% |
| Admin fee / account holder | $802 | $5,756-86.1% | $14,679-94.5% | $5,403-85.2% |