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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 | $20,970 | $64,729-67.6% | $112,263-81.3% | $68,490-69.4% |
| Participation rate | 86.8% | 67.2%+19.7pp | 75.1%+11.8pp | 67.9%+18.9pp |
| Annual return | -14.18% | -11.40%-2.8pp | 27.49%-41.7pp | -7.85%-6.3pp |
| Employer contribution / active EE | $2,565 | $2,746-6.6% | $3,636-29.5% | $2,597-1.2% |
| Participant deferral / active EE | $3,553 | $3,566-0.3% | $4,729-24.9% | $4,028-11.8% |
| Admin fee / account holder | $569 | $5,222-89.1% | $6,410-91.1% | $5,403-89.5% |