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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 | $33,661 | $64,729-48.0% | $112,263-70.0% | $68,490-50.9% |
| Participation rate | 84.8% | 67.2%+17.7pp | 75.1%+9.7pp | 67.9%+16.9pp |
| Annual return | -15.69% | -11.40%-4.3pp | 27.49%-43.2pp | -7.85%-7.8pp |
| Employer contribution / active EE | $1,556 | $2,746-43.3% | $3,636-57.2% | $2,597-40.1% |
| Participant deferral / active EE | $2,609 | $3,566-26.8% | $4,729-44.8% | $4,028-35.2% |
| Admin fee / account holder | $1,126 | $5,222-78.4% | $6,410-82.4% | $5,403-79.2% |