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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 | $77,626 | $167,352-53.6% | $143,788-46.0% | $134,509-42.3% |
| Participation rate | 83.3% | 84.8%-1.5pp | 80.3%+3.0pp | 81.2%+2.1pp |
| Annual return | -1.92% | 0.47%-2.4pp | -0.03%-1.9pp | 418.13%-420.1pp |
| Employer contribution / active EE | $2,644 | $5,620-52.9% | $4,952-46.6% | $4,741-44.2% |
| Participant deferral / active EE | $4,714 | $6,447-26.9% | $5,638-16.4% | $6,400-26.4% |
| Admin fee / account holder | $3,300 | $18,091-81.8% | $14,675-77.5% | $11,427-71.1% |