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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 | $38,959 | $73,848-47.2% | $143,799-72.9% | $68,486-43.1% |
| Participation rate | 89.4% | 66.7%+22.7pp | 80.3%+9.0pp | 67.9%+21.5pp |
| Annual return | -15.73% | 0.91%-16.6pp | -0.04%-15.7pp | -7.85%-7.9pp |
| Employer contribution / active EE | $1,503 | $3,184-52.8% | $4,952-69.6% | $2,597-42.1% |
| Participant deferral / active EE | $3,598 | $3,385+6.3% | $5,638-36.2% | $4,028-10.7% |
| Admin fee / account holder | $4,132 | $5,755-28.2% | $14,677-71.8% | $5,404-23.5% |