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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 | $22,777 | $64,729-64.8% | $112,263-79.7% | $68,490-66.7% |
| Participation rate | 80.4% | 67.2%+13.3pp | 75.1%+5.4pp | 67.9%+12.5pp |
| Annual return | -13.88% | -11.40%-2.5pp | 27.49%-41.4pp | -7.85%-6.0pp |
| Employer contribution / active EE | $1,203 | $2,746-56.2% | $3,636-66.9% | $2,597-53.7% |
| Participant deferral / active EE | $3,554 | $3,566-0.3% | $4,729-24.8% | $4,028-11.8% |
| Admin fee / account holder | $563 | $5,222-89.2% | $6,410-91.2% | $5,403-89.6% |