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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 | $23,543 | $95,895-75.4% | $79,576-70.4% | $134,509-82.5% |
| Participation rate | 72.2% | 75.0%-2.8pp | 69.5%+2.7pp | 81.2%-9.0pp |
| Annual return | -17.30% | -2.72%-14.6pp | 0.15%-17.5pp | 418.13%-435.4pp |
| Employer contribution / active EE | $1,599 | $3,128-48.9% | $2,413-33.8% | $4,741-66.3% |
| Participant deferral / active EE | $2,701 | $4,693-42.5% | $3,985-32.2% | $6,400-57.8% |
| Admin fee / account holder | $928 | $9,129-89.8% | $6,834-86.4% | $11,427-91.9% |