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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 | $41,927 | $73,848-43.2% | $143,799-70.8% | $68,486-38.8% |
| Participation rate | 75.8% | 66.7%+9.1pp | 80.3%-4.6pp | 67.9%+7.9pp |
| Annual return | -18.92% | 0.91%-19.8pp | -0.04%-18.9pp | -7.85%-11.1pp |
| Employer contribution / active EE | $1,295 | $3,184-59.3% | $4,952-73.8% | $2,597-50.1% |
| Participant deferral / active EE | $4,283 | $3,385+26.6% | $5,638-24.0% | $4,028+6.3% |
| Admin fee / account holder | $840 | $5,755-85.4% | $14,677-94.3% | $5,404-84.4% |