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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 | $73,863-46.0% | $143,797-72.3% | $68,490-41.8% |
| Participation rate | 78.6% | 66.7%+11.9pp | 80.3%-1.7pp | 67.9%+10.7pp |
| Annual return | -13.74% | 0.91%-14.6pp | -0.04%-13.7pp | -7.85%-5.9pp |
| Employer contribution / active EE | $3,969 | $3,185+24.6% | $4,952-19.9% | $2,597+52.8% |
| Participant deferral / active EE | $2,341 | $3,385-30.8% | $5,638-58.5% | $4,028-41.9% |
| Admin fee / account holder | $1,343 | $5,756-76.7% | $14,679-90.9% | $5,403-75.2% |