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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 | $35,550 | $81,870-56.6% | $119,634-70.3% | $68,490-48.1% |
| Participation rate | 77.8% | 71.9%+5.9pp | 79.3%-1.5pp | 67.9%+9.9pp |
| Annual return | -11.65% | -23.82%+12.2pp | -14.98%+3.3pp | -7.85%-3.8pp |
| Employer contribution / active EE | $4,066 | $2,692+51.1% | $4,232-3.9% | $2,597+56.6% |
| Participant deferral / active EE | $3,045 | $4,148-26.6% | $5,601-45.6% | $4,028-24.4% |
| Admin fee / account holder | $524 | $6,583-92.0% | $10,329-94.9% | $5,403-90.3% |