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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 | $20,089 | $42,383-52.6% | $76,518-73.7% | $64,173-68.7% |
| Participation rate | 70.7% | 58.1%+12.6pp | 68.0%+2.7pp | 69.6%+1.2pp |
| Annual return | -1.10% | -16.54%+15.4pp | -0.27%-0.8pp | 7.63%-8.7pp |
| Employer contribution / active EE | $2,422 | $1,563+54.9% | $2,647-8.5% | $2,381+1.7% |
| Participant deferral / active EE | $3,390 | $2,566+32.1% | $3,836-11.6% | $3,470-2.3% |
| Admin fee / account holder | $586 | $3,198-81.7% | $4,849-87.9% | $4,887-88.0% |