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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 | $26,844 | $53,162-49.5% | $91,219-70.6% | $68,498-60.8% |
| Participation rate | 78.6% | 63.2%+15.4pp | 73.2%+5.4pp | 67.9%+10.7pp |
| Annual return | -17.62% | -3.14%-14.5pp | 114.06%-131.7pp | -7.84%-9.8pp |
| Employer contribution / active EE | $1,419 | $1,709-17.0% | $2,851-50.2% | $2,596-45.3% |
| Participant deferral / active EE | $1,718 | $2,974-42.2% | $4,234-59.4% | $4,027-57.3% |
| Admin fee / account holder | $4,640 | $4,493+3.3% | $5,421-14.4% | $5,403-14.1% |