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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 | $21,296 | $95,188-77.6% | $76,518-72.2% | $135,380-84.3% |
| Participation rate | 75.0% | 74.4%+0.6pp | 68.0%+7.0pp | 82.6%-7.6pp |
| Annual return | -10.27% | 4.85%-15.1pp | -0.27%-10.0pp | 519.81%-530.1pp |
| Employer contribution / active EE | $1,845 | $3,303-44.1% | $2,647-30.3% | $4,779-61.4% |
| Participant deferral / active EE | $3,025 | $4,640-34.8% | $3,836-21.1% | $5,609-46.1% |
| Admin fee / account holder | $1,817 | $6,249-70.9% | $4,849-62.5% | $10,828-83.2% |