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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 | $31,269 | $73,863-57.7% | $143,797-78.3% | $68,490-54.3% |
| Participation rate | 75.4% | 66.7%+8.8pp | 80.3%-4.9pp | 67.9%+7.5pp |
| Annual return | -18.85% | 0.91%-19.8pp | -0.04%-18.8pp | -7.85%-11.0pp |
| Employer contribution / active EE | $5,825 | $3,185+82.9% | $4,952+17.6% | $2,597+124.3% |
| Participant deferral / active EE | $9,908 | $3,385+192.7% | $5,638+75.7% | $4,028+146.0% |
| Admin fee / account holder | $3,830 | $5,756-33.5% | $14,679-73.9% | $5,403-29.1% |