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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 | $21,940 | $73,863-70.3% | $143,797-84.7% | $68,490-68.0% |
| Participation rate | 85.5% | 66.7%+18.8pp | 80.3%+5.2pp | 67.9%+17.6pp |
| Annual return | -19.05% | 0.91%-20.0pp | -0.04%-19.0pp | -7.85%-11.2pp |
| Employer contribution / active EE | $1,830 | $3,185-42.5% | $4,952-63.1% | $2,597-29.5% |
| Participant deferral / active EE | $3,766 | $3,385+11.3% | $5,638-33.2% | $4,028-6.5% |
| Admin fee / account holder | $1,193 | $5,756-79.3% | $14,679-91.9% | $5,403-77.9% |