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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 | $19,446 | $52,678-63.1% | $75,784-74.3% | $59,633-67.4% |
| Participation rate | 81.9% | 67.2%+14.7pp | 75.8%+6.1pp | 68.7%+13.3pp |
| Annual return | -2.29% | 2.95%-5.2pp | 9.68%-12.0pp | 2041.45%-2043.7pp |
| Employer contribution / active EE | $1,612 | $2,193-26.5% | $3,323-51.5% | $2,203-26.8% |
| Participant deferral / active EE | $2,216 | $2,591-14.5% | $3,652-39.3% | $3,192-30.6% |
| Admin fee / account holder | $366 | $3,610-89.9% | $5,300-93.1% | $4,297-91.5% |