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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 | $17,968 | $56,339-68.1% | $104,299-82.8% | $68,490-73.8% |
| Participation rate | 70.2% | 63.3%+6.9pp | 73.3%-3.1pp | 67.9%+2.3pp |
| Annual return | -17.35% | -9.19%-8.2pp | 24.62%-42.0pp | -7.85%-9.5pp |
| Employer contribution / active EE | $1,066 | $1,960-45.6% | $3,373-68.4% | $2,597-59.0% |
| Participant deferral / active EE | $1,751 | $3,077-43.1% | $4,626-62.2% | $4,028-56.5% |
| Admin fee / account holder | $914 | $4,902-81.4% | $7,339-87.6% | $5,403-83.1% |