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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 | $33,317 | $73,848-54.9% | $143,799-76.8% | $68,486-51.4% |
| Participation rate | 97.2% | 66.7%+30.6pp | 80.3%+16.9pp | 67.9%+29.3pp |
| Annual return | -13.69% | 0.91%-14.6pp | -0.04%-13.6pp | -7.85%-5.8pp |
| Employer contribution / active EE | $1,516 | $3,184-52.4% | $4,952-69.4% | $2,597-41.6% |
| Participant deferral / active EE | $2,671 | $3,385-21.1% | $5,638-52.6% | $4,028-33.7% |
| Admin fee / account holder | $1,182 | $5,755-79.5% | $14,677-91.9% | $5,404-78.1% |