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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 | $15,155 | $45,872-67.0% | $77,100-80.3% | $68,490-77.9% |
| Participation rate | 71.4% | 55.9%+15.5pp | 67.9%+3.5pp | 67.9%+3.5pp |
| Annual return | -15.87% | 1.73%-17.6pp | 42.35%-58.2pp | -7.85%-8.0pp |
| Employer contribution / active EE | $1,782 | $1,650+8.0% | $2,815-36.7% | $2,597-31.4% |
| Participant deferral / active EE | $2,351 | $2,963-20.7% | $4,430-46.9% | $4,028-41.6% |
| Admin fee / account holder | $1,139 | $3,041-62.5% | $5,443-79.1% | $5,403-78.9% |