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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 | $46,411 | $53,162-12.7% | $91,225-49.1% | $68,495-32.2% |
| Participation rate | 86.2% | 63.2%+23.0pp | 73.2%+13.0pp | 67.9%+18.3pp |
| Annual return | -13.41% | -3.14%-10.3pp | 114.10%-127.5pp | -7.84%-5.6pp |
| Employer contribution / active EE | $6,506 | $1,709+280.6% | $2,851+128.2% | $2,596+150.6% |
| Participant deferral / active EE | $2,724 | $2,974-8.4% | $4,234-35.7% | $4,028-32.4% |
| Admin fee / account holder | $965 | $4,493-78.5% | $5,422-82.2% | $5,403-82.1% |