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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 | $18,497 | $59,813-69.1% | $79,580-76.8% | $68,486-73.0% |
| Participation rate | 73.4% | 61.1%+12.4pp | 69.5%+3.9pp | 67.9%+5.5pp |
| Annual return | -14.94% | -12.30%-2.6pp | 0.15%-15.1pp | -7.85%-7.1pp |
| Employer contribution / active EE | $795 | $1,505-47.2% | $2,413-67.1% | $2,597-69.4% |
| Participant deferral / active EE | $4,033 | $3,024+33.3% | $3,985+1.2% | $4,028+0.1% |
| Admin fee / account holder | $2,508 | $4,835-48.1% | $6,835-63.3% | $5,404-53.6% |