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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 | $28,637 | $42,909-33.3% | $60,906-53.0% | $68,486-58.2% |
| Participation rate | 95.5% | 66.8%+28.7pp | 73.1%+22.4pp | 67.9%+27.6pp |
| Annual return | -9.08% | -13.99%+4.9pp | 16.94%-26.0pp | -7.85%-1.2pp |
| Employer contribution / active EE | $6,982 | $1,979+252.9% | $2,703+158.3% | $2,597+168.9% |
| Participant deferral / active EE | $1,339 | $2,866-53.3% | $3,814-64.9% | $4,028-66.8% |
| Admin fee / account holder | $1,884 | $3,104-39.3% | $3,227-41.6% | $5,404-65.1% |