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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 | $19,039 | $73,848-74.2% | $143,799-86.8% | $68,486-72.2% |
| Participation rate | 76.5% | 66.7%+9.8pp | 80.3%-3.8pp | 67.9%+8.6pp |
| Annual return | -16.91% | 0.91%-17.8pp | -0.04%-16.9pp | -7.85%-9.1pp |
| Employer contribution / active EE | $1,694 | $3,184-46.8% | $4,952-65.8% | $2,597-34.8% |
| Participant deferral / active EE | $3,384 | $3,3850% | $5,638-40.0% | $4,028-16.0% |
| Admin fee / account holder | $353 | $5,755-93.9% | $14,677-97.6% | $5,404-93.5% |