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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 | $28,434 | $64,729-56.1% | $112,263-74.7% | $68,490-58.5% |
| Participation rate | 72.7% | 67.2%+5.6pp | 75.1%-2.3pp | 67.9%+4.8pp |
| Annual return | -13.86% | -11.40%-2.5pp | 27.49%-41.3pp | -7.85%-6.0pp |
| Employer contribution / active EE | $1,436 | $2,746-47.7% | $3,636-60.5% | $2,597-44.7% |
| Participant deferral / active EE | $3,044 | $3,566-14.6% | $4,729-35.6% | $4,028-24.4% |
| Admin fee / account holder | $1,702 | $5,222-67.4% | $6,410-73.5% | $5,403-68.5% |