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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 | $65,504 | $142,392-54.0% | $119,622-45.2% | $134,532-51.3% |
| Participation rate | 76.5% | 82.8%-6.4pp | 79.3%-2.8pp | 81.2%-4.8pp |
| Annual return | -16.52% | -12.46%-4.1pp | -14.98%-1.5pp | 418.27%-434.8pp |
| Employer contribution / active EE | $1,683 | $5,224-67.8% | $4,232-60.2% | $4,741-64.5% |
| Participant deferral / active EE | $3,221 | $6,467-50.2% | $5,601-42.5% | $6,401-49.7% |
| Admin fee / account holder | $3,591 | $13,593-73.6% | $10,328-65.2% | $11,429-68.6% |