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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 | $93,615 | $127,096-26.3% | $105,736-11.5% | $135,380-30.9% |
| Participation rate | 70.6% | 82.7%-12.1pp | 76.3%-5.7pp | 82.6%-12.1pp |
| Annual return | -3.69% | 4.49%-8.2pp | 6.27%-10.0pp | 519.81%-523.5pp |
| Employer contribution / active EE | $1,640 | $4,107-60.1% | $3,268-49.8% | $4,779-65.7% |
| Participant deferral / active EE | $2,124 | $5,064-58.1% | $4,080-47.9% | $5,609-62.1% |
| Admin fee / account holder | $6,566 | $9,087-27.7% | $6,913-5.0% | $10,828-39.4% |