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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 | $21,385 | $112,300-81.0% | $90,223-76.3% | $125,389-82.9% |
| Participation rate | 78.6% | 82.9%-4.3pp | 79.0%-0.5pp | 83.2%-4.6pp |
| Annual return | -0.66% | -0.57%-0.1pp | 1.31%-2.0pp | 282.24%-282.9pp |
| Employer contribution / active EE | $1,476 | $5,181-71.5% | $4,378-66.3% | $4,866-69.7% |
| Participant deferral / active EE | $5,818 | $6,733-13.6% | $5,792+0.5% | $5,352+8.7% |
| Admin fee / account holder | $4,499 | $10,990-59.1% | $7,406-39.3% | $9,541-52.8% |