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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 | $25,661 | $56,339-54.5% | $104,299-75.4% | $68,490-62.5% |
| Participation rate | 83.0% | 63.3%+19.7pp | 73.3%+9.7pp | 67.9%+15.1pp |
| Annual return | -12.07% | -9.19%-2.9pp | 24.62%-36.7pp | -7.85%-4.2pp |
| Employer contribution / active EE | $2,802 | $1,960+43.0% | $3,373-16.9% | $2,597+7.9% |
| Participant deferral / active EE | $4,205 | $3,077+36.6% | $4,626-9.1% | $4,028+4.4% |
| Admin fee / account holder | $532 | $4,902-89.1% | $7,339-92.7% | $5,403-90.1% |