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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 | $34,632 | $82,324-57.9% | $68,803-49.7% | $134,545-74.3% |
| Participation rate | 72.2% | 75.1%-2.8pp | 69.0%+3.2pp | 81.2%-9.0pp |
| Annual return | -16.13% | -2.17%-14.0pp | -6.37%-9.8pp | 418.37%-434.5pp |
| Employer contribution / active EE | $791 | $3,302-76.1% | $2,656-70.2% | $4,742-83.3% |
| Participant deferral / active EE | $1,561 | $4,740-67.1% | $3,942-60.4% | $6,401-75.6% |
| Admin fee / account holder | $4,499 | $6,485-30.6% | $4,936-8.9% | $11,431-60.6% |