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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 | $59,743 | $73,848-19.1% | $143,799-58.5% | $68,486-12.8% |
| Participation rate | 70.3% | 66.7%+3.6pp | 80.3%-10.0pp | 67.9%+2.4pp |
| Annual return | -12.38% | 0.91%-13.3pp | -0.04%-12.3pp | -7.85%-4.5pp |
| Employer contribution / active EE | $4,255 | $3,184+33.6% | $4,952-14.1% | $2,597+63.9% |
| Participant deferral / active EE | $0 | $3,385-100.0% | $5,638-100.0% | $4,028-100.0% |
| Admin fee / account holder | $1,060 | $5,755-81.6% | $14,677-92.8% | $5,404-80.4% |