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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 | $21,779 | $73,863-70.5% | $143,797-84.9% | $68,490-68.2% |
| Participation rate | 97.7% | 66.7%+31.0pp | 80.3%+17.4pp | 67.9%+29.8pp |
| Annual return | -14.57% | 0.91%-15.5pp | -0.04%-14.5pp | -7.85%-6.7pp |
| Employer contribution / active EE | $2,223 | $3,185-30.2% | $4,952-55.1% | $2,597-14.4% |
| Participant deferral / active EE | $3,190 | $3,385-5.7% | $5,638-43.4% | $4,028-20.8% |
| Admin fee / account holder | $2,385 | $5,756-58.6% | $14,679-83.8% | $5,403-55.9% |