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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 | $69,696 | $68,996+1.0% | $159,991-56.4% | $68,495+1.8% |
| Participation rate | 75.0% | 65.4%+9.6pp | 78.0%-3.0pp | 67.9%+7.1pp |
| Annual return | -16.16% | -9.65%-6.5pp | 408.82%-425.0pp | -7.84%-8.3pp |
| Employer contribution / active EE | $1,181 | $2,212-46.6% | $4,225-72.0% | $2,596-54.5% |
| Participant deferral / active EE | $3,574 | $4,211-15.1% | $6,183-42.2% | $4,028-11.3% |
| Admin fee / account holder | $928 | $4,797-80.7% | $8,715-89.4% | $5,403-82.8% |