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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 | $42,271 | $73,848-42.8% | $143,799-70.6% | $68,486-38.3% |
| Participation rate | 72.5% | 66.7%+5.8pp | 80.3%-7.8pp | 67.9%+4.6pp |
| Annual return | -18.55% | 0.91%-19.5pp | -0.04%-18.5pp | -7.85%-10.7pp |
| Employer contribution / active EE | $2,318 | $3,184-27.2% | $4,952-53.2% | $2,597-10.7% |
| Participant deferral / active EE | $6,723 | $3,385+98.6% | $5,638+19.2% | $4,028+66.9% |
| Admin fee / account holder | $1,763 | $5,755-69.4% | $14,677-88.0% | $5,404-67.4% |