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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 | $159,781 | $73,848+116.4% | $143,799+11.1% | $68,486+133.3% |
| Participation rate | 75.9% | 66.7%+9.2pp | 80.3%-4.5pp | 67.9%+8.0pp |
| Annual return | -19.08% | 0.91%-20.0pp | -0.04%-19.0pp | -7.85%-11.2pp |
| Employer contribution / active EE | $2,000 | $3,184-37.2% | $4,952-59.6% | $2,597-23.0% |
| Participant deferral / active EE | $6,910 | $3,385+104.2% | $5,638+22.6% | $4,028+71.6% |
| Admin fee / account holder | $1,933 | $5,755-66.4% | $14,677-86.8% | $5,404-64.2% |