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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 | $23,012 | $95,188-75.8% | $76,518-69.9% | $135,380-83.0% |
| Participation rate | 78.9% | 74.4%+4.6pp | 68.0%+10.9pp | 82.6%-3.7pp |
| Annual return | -7.44% | 4.85%-12.3pp | -0.27%-7.2pp | 519.81%-527.2pp |
| Employer contribution / active EE | $1,763 | $3,303-46.6% | $2,647-33.4% | $4,779-63.1% |
| Participant deferral / active EE | $2,967 | $4,640-36.1% | $3,836-22.7% | $5,609-47.1% |
| Admin fee / account holder | $16,110 | $6,249+157.8% | $4,849+232.3% | $10,828+48.8% |