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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 | $31,377 | $69,541-54.9% | $59,899-47.6% | $135,380-76.8% |
| Participation rate | 83.3% | 77.8%+5.5pp | 74.7%+8.6pp | 82.6%+0.7pp |
| Annual return | -6.20% | 7.95%-14.1pp | 3.46%-9.7pp | 519.81%-526.0pp |
| Employer contribution / active EE | $6,050 | $3,236+86.9% | $2,723+122.2% | $4,779+26.6% |
| Participant deferral / active EE | $4,479 | $4,206+6.5% | $3,402+31.6% | $5,609-20.1% |
| Admin fee / account holder | $1,493 | $5,737-74.0% | $3,592-58.4% | $10,828-86.2% |