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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 | $65,636 | $158,852-58.7% | $121,220-45.9% | $135,380-51.5% |
| Participation rate | 75.0% | 79.3%-4.3pp | 71.8%+3.2pp | 82.6%-7.6pp |
| Annual return | -8.25% | -0.64%-7.6pp | 16.94%-25.2pp | 519.81%-528.1pp |
| Employer contribution / active EE | $1,380 | $5,666-75.6% | $4,023-65.7% | $4,779-71.1% |
| Participant deferral / active EE | $8,829 | $4,006+120.4% | $3,345+163.9% | $5,609+57.4% |
| Admin fee / account holder | $329 | $6,515-94.9% | $5,021-93.4% | $10,828-97.0% |