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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 | $82,364 | $167,353-50.8% | $143,797-42.7% | $134,545-38.8% |
| Participation rate | 73.3% | 84.8%-11.5pp | 80.3%-7.0pp | 81.2%-7.9pp |
| Annual return | -16.03% | 0.48%-16.5pp | -0.04%-16.0pp | 418.37%-434.4pp |
| Employer contribution / active EE | $3,777 | $5,620-32.8% | $4,952-23.7% | $4,742-20.3% |
| Participant deferral / active EE | $5,480 | $6,447-15.0% | $5,638-2.8% | $6,401-14.4% |
| Admin fee / account holder | $479 | $18,096-97.4% | $14,679-96.7% | $11,431-95.8% |