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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 | $24,004 | $73,848-67.5% | $143,799-83.3% | $68,486-65.0% |
| Participation rate | 84.4% | 66.7%+17.7pp | 80.3%+4.1pp | 67.9%+16.5pp |
| Annual return | -14.56% | 0.91%-15.5pp | -0.04%-14.5pp | -7.85%-6.7pp |
| Employer contribution / active EE | $1,298 | $3,184-59.2% | $4,952-73.8% | $2,597-50.0% |
| Participant deferral / active EE | $2,202 | $3,385-35.0% | $5,638-61.0% | $4,028-45.3% |
| Admin fee / account holder | $1,035 | $5,755-82.0% | $14,677-92.9% | $5,404-80.8% |