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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 | $22,082 | $45,872-51.9% | $77,081-71.4% | $68,495-67.8% |
| Participation rate | 71.4% | 55.9%+15.5pp | 67.9%+3.5pp | 67.9%+3.5pp |
| Annual return | -18.84% | 1.73%-20.6pp | 42.33%-61.2pp | -7.84%-11.0pp |
| Employer contribution / active EE | $1,777 | $1,650+7.7% | $2,813-36.8% | $2,596-31.6% |
| Participant deferral / active EE | $3,702 | $2,963+24.9% | $4,428-16.4% | $4,028-8.1% |
| Admin fee / account holder | $416 | $3,041-86.3% | $5,427-92.3% | $5,403-92.3% |