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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 | $38,508 | $83,908-54.1% | $68,509-43.8% | $125,389-69.3% |
| Participation rate | 70.8% | 78.2%-7.3pp | 74.7%-3.9pp | 83.2%-12.4pp |
| Annual return | -3.08% | 14.48%-17.6pp | 8.27%-11.4pp | 282.24%-285.3pp |
| Employer contribution / active EE | $1,273 | $3,031-58.0% | $2,278-44.1% | $4,866-73.8% |
| Participant deferral / active EE | $3,317 | $4,125-19.6% | $3,382-1.9% | $5,352-38.0% |
| Admin fee / account holder | $1,981 | $8,982-77.9% | $5,275-62.4% | $9,541-79.2% |