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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 | $39,852 | $73,867-46.0% | $143,770-72.3% | $68,498-41.8% |
| Participation rate | 78.6% | 66.7%+11.9pp | 80.3%-1.7pp | 67.9%+10.7pp |
| Annual return | -13.74% | 1.01%-14.7pp | -0.04%-13.7pp | -7.84%-5.9pp |
| Employer contribution / active EE | $3,969 | $3,184+24.6% | $4,951-19.8% | $2,596+52.8% |
| Participant deferral / active EE | $2,341 | $3,384-30.8% | $5,638-58.5% | $4,027-41.9% |
| Admin fee / account holder | $1,343 | $5,755-76.7% | $14,673-90.8% | $5,403-75.2% |