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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 | $23,998 | $73,848-67.5% | $143,799-83.3% | $68,486-65.0% |
| Participation rate | 92.5% | 66.7%+25.8pp | 80.3%+12.2pp | 67.9%+24.6pp |
| Annual return | -10.65% | 0.91%-11.6pp | -0.04%-10.6pp | -7.85%-2.8pp |
| Employer contribution / active EE | $1,567 | $3,184-50.8% | $4,952-68.4% | $2,597-39.7% |
| Participant deferral / active EE | $5,039 | $3,385+48.9% | $5,638-10.6% | $4,028+25.1% |
| Admin fee / account holder | $656 | $5,755-88.6% | $14,677-95.5% | $5,404-87.9% |