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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 | $39,041 | $95,193-59.0% | $76,523-49.0% | $135,382-71.2% |
| Participation rate | 72.7% | 74.4%-1.7pp | 68.0%+4.7pp | 82.6%-9.9pp |
| Annual return | -6.57% | 4.85%-11.4pp | -0.27%-6.3pp | 519.77%-526.3pp |
| Employer contribution / active EE | $1,523 | $3,302-53.9% | $2,647-42.5% | $4,779-68.1% |
| Participant deferral / active EE | $4,892 | $4,639+5.4% | $3,835+27.5% | $5,609-12.8% |
| Admin fee / account holder | $2,467 | $6,249-60.5% | $4,848-49.1% | $10,829-77.2% |