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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 | $41,459 | $92,219-55.0% | $76,768-46.0% | $135,379-69.4% |
| Participation rate | 82.4% | 79.8%+2.6pp | 77.0%+5.4pp | 82.6%-0.3pp |
| Annual return | -4.14% | 5.46%-9.6pp | 2.43%-6.6pp | 519.79%-523.9pp |
| Employer contribution / active EE | $1,346 | $3,216-58.1% | $2,485-45.8% | $4,779-71.8% |
| Participant deferral / active EE | $1,418 | $4,508-68.5% | $3,852-63.2% | $5,609-74.7% |
| Admin fee / account holder | $4,485 | $10,749-58.3% | $6,675-32.8% | $10,828-58.6% |