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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 | $61,516 | $81,870-24.9% | $119,634-48.6% | $68,490-10.2% |
| Participation rate | 80.8% | 71.9%+8.9pp | 79.3%+1.5pp | 67.9%+12.9pp |
| Annual return | -15.71% | -23.82%+8.1pp | -14.98%-0.7pp | -7.85%-7.9pp |
| Employer contribution / active EE | $1,463 | $2,692-45.6% | $4,232-65.4% | $2,597-43.6% |
| Participant deferral / active EE | $3,347 | $4,148-19.3% | $5,601-40.2% | $4,028-16.9% |
| Admin fee / account holder | $681 | $6,583-89.7% | $10,329-93.4% | $5,403-87.4% |