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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 | $21,294 | $48,235-55.9% | $68,803-69.1% | $68,490-68.9% |
| Participation rate | 92.9% | 60.7%+32.2pp | 69.0%+23.8pp | 67.9%+25.0pp |
| Annual return | -11.89% | -12.70%+0.8pp | -6.37%-5.5pp | -7.85%-4.0pp |
| Employer contribution / active EE | $955 | $1,829-47.8% | $2,656-64.1% | $2,597-63.2% |
| Participant deferral / active EE | $2,094 | $2,867-27.0% | $3,942-46.9% | $4,028-48.0% |
| Admin fee / account holder | $10,608 | $4,361+143.2% | $4,936+114.9% | $5,403+96.3% |