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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 | $28,930 | $64,719-55.3% | $112,249-74.2% | $68,486-57.8% |
| Participation rate | 80.8% | 67.2%+13.6pp | 75.1%+5.7pp | 67.9%+12.9pp |
| Annual return | -18.04% | -11.40%-6.6pp | 27.48%-45.5pp | -7.85%-10.2pp |
| Employer contribution / active EE | $714 | $2,747-74.0% | $3,636-80.4% | $2,597-72.5% |
| Participant deferral / active EE | $2,675 | $3,565-25.0% | $4,729-43.4% | $4,028-33.6% |
| Admin fee / account holder | $740 | $5,232-85.9% | $6,412-88.5% | $5,404-86.3% |