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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 | $9,674 | $45,872-78.9% | $77,096-87.5% | $68,486-85.9% |
| Participation rate | 78.6% | 55.9%+22.6pp | 67.9%+10.6pp | 67.9%+10.7pp |
| Annual return | -18.99% | 1.73%-20.7pp | 42.35%-61.3pp | -7.85%-11.1pp |
| Employer contribution / active EE | $1,479 | $1,650-10.3% | $2,814-47.4% | $2,597-43.0% |
| Participant deferral / active EE | $2,379 | $2,963-19.7% | $4,429-46.3% | $4,028-40.9% |
| Admin fee / account holder | $395 | $3,041-87.0% | $5,428-92.7% | $5,404-92.7% |