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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 | $32,252 | $71,878-55.1% | $86,698-62.8% | $68,486-52.9% |
| Participation rate | 94.7% | 72.2%+22.5pp | 76.6%+18.1pp | 67.9%+26.8pp |
| Annual return | -15.31% | 3.53%-18.8pp | 35.95%-51.3pp | -7.85%-7.5pp |
| Employer contribution / active EE | $0 | $2,173-100.0% | $2,837-100.0% | $2,597-100.0% |
| Participant deferral / active EE | $31,170 | $3,779+724.8% | $4,656+569.4% | $4,028+673.9% |
| Admin fee / account holder | $3,717 | $6,113-39.2% | $7,493-50.4% | $5,404-31.2% |