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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 | $24,722 | $64,719-61.8% | $112,249-78.0% | $68,486-63.9% |
| Participation rate | 96.3% | 67.2%+29.1pp | 75.1%+21.2pp | 67.9%+28.4pp |
| Annual return | -17.13% | -11.40%-5.7pp | 27.48%-44.6pp | -7.85%-9.3pp |
| Employer contribution / active EE | $2,083 | $2,747-24.2% | $3,636-42.7% | $2,597-19.8% |
| Participant deferral / active EE | $3,669 | $3,565+2.9% | $4,729-22.4% | $4,028-8.9% |
| Admin fee / account holder | $907 | $5,232-82.7% | $6,412-85.9% | $5,404-83.2% |