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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 | $21,668 | $64,719-66.5% | $112,249-80.7% | $68,486-68.4% |
| Participation rate | 98.0% | 67.2%+30.9pp | 75.1%+23.0pp | 67.9%+30.1pp |
| Annual return | -17.41% | -11.40%-6.0pp | 27.48%-44.9pp | -7.85%-9.6pp |
| Employer contribution / active EE | $2,028 | $2,747-26.2% | $3,636-44.2% | $2,597-21.9% |
| Participant deferral / active EE | $4,491 | $3,565+26.0% | $4,729-5.0% | $4,028+11.5% |
| Admin fee / account holder | $1,430 | $5,232-72.7% | $6,412-77.7% | $5,404-73.5% |