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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 | $23,298 | $92,219-74.7% | $76,768-69.7% | $135,379-82.8% |
| Participation rate | 94.1% | 79.8%+14.3pp | 77.0%+17.2pp | 82.6%+11.5pp |
| Annual return | -8.21% | 5.46%-13.7pp | 2.43%-10.6pp | 519.79%-528.0pp |
| Employer contribution / active EE | $1,187 | $3,216-63.1% | $2,485-52.2% | $4,779-75.2% |
| Participant deferral / active EE | $3,256 | $4,508-27.8% | $3,852-15.5% | $5,609-42.0% |
| Admin fee / account holder | $7,700 | $10,749-28.4% | $6,675+15.4% | $10,828-28.9% |