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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 | $61,545 | $94,529-34.9% | $140,019-56.0% | $64,173-4.1% |
| Participation rate | 79.4% | 84.1%-4.7pp | 87.5%-8.1pp | 69.6%+9.8pp |
| Annual return | -6.62% | 7.77%-14.4pp | 651.15%-657.8pp | 7.63%-14.3pp |
| Employer contribution / active EE | $4,008 | $3,812+5.1% | $5,605-28.5% | $2,381+68.3% |
| Participant deferral / active EE | $12,548 | $5,250+139.0% | $6,927+81.2% | $3,470+261.6% |
| Admin fee / account holder | $4,337 | $6,741-35.7% | $10,705-59.5% | $4,887-11.3% |