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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 | $37,077 | $95,188-61.0% | $76,518-51.5% | $135,379-72.6% |
| Participation rate | 81.3% | 74.4%+6.9pp | 68.0%+13.3pp | 82.6%-1.4pp |
| Annual return | -6.77% | 4.85%-11.6pp | -0.27%-6.5pp | 519.79%-526.6pp |
| Employer contribution / active EE | $5,502 | $3,303+66.6% | $2,647+107.8% | $4,779+15.1% |
| Participant deferral / active EE | $0 | $4,640-100.0% | $3,836-100.0% | $5,609-100.0% |
| Admin fee / account holder | $4,750 | $6,249-24.0% | $4,849-2.0% | $10,828-56.1% |