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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 | $77,436 | $142,409-45.6% | $119,634-35.3% | $134,545-42.4% |
| Participation rate | 84.2% | 82.8%+1.4pp | 79.3%+4.9pp | 81.2%+3.0pp |
| Annual return | -19.66% | -12.46%-7.2pp | -14.98%-4.7pp | 418.37%-438.0pp |
| Employer contribution / active EE | $2,713 | $5,224-48.1% | $4,232-35.9% | $4,742-42.8% |
| Participant deferral / active EE | $7,793 | $6,468+20.5% | $5,601+39.1% | $6,401+21.7% |
| Admin fee / account holder | $5,463 | $13,594-59.8% | $10,329-47.1% | $11,431-52.2% |