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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 | $32,480 | $56,339-42.3% | $104,301-68.9% | $68,486-52.6% |
| Participation rate | 73.9% | 63.3%+10.6pp | 73.3%+0.6pp | 67.9%+6.0pp |
| Annual return | -18.16% | -9.19%-9.0pp | 24.61%-42.8pp | -7.85%-10.3pp |
| Employer contribution / active EE | $4,859 | $1,960+147.9% | $3,373+44.1% | $2,597+87.1% |
| Participant deferral / active EE | $8,517 | $3,077+176.8% | $4,626+84.1% | $4,028+111.5% |
| Admin fee / account holder | $1,014 | $4,902-79.3% | $7,340-86.2% | $5,404-81.2% |