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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 | $68,522 | $82,288-16.7% | $68,794-0.4% | $134,509-49.1% |
| Participation rate | 88.9% | 75.1%+13.8pp | 69.0%+19.9pp | 81.2%+7.7pp |
| Annual return | -10.97% | -2.19%-8.8pp | -6.37%-4.6pp | 418.13%-429.1pp |
| Employer contribution / active EE | $2,018 | $3,301-38.9% | $2,656-24.0% | $4,741-57.4% |
| Participant deferral / active EE | $3,353 | $4,738-29.2% | $3,941-14.9% | $6,400-47.6% |
| Admin fee / account holder | $36,403 | $6,482+461.6% | $4,934+637.7% | $11,427+218.6% |