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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 | $96,981 | $131,835-26.4% | $108,582-10.7% | $273,972-64.6% |
| Participation rate | 80.0% | 83.5%-3.5pp | 79.6%+0.4pp | 83.0%-3.0pp |
| Annual return | 4.90% | -91.57%+96.5pp | -51.70%+56.6pp | 41.46%-36.6pp |
| Employer contribution / active EE | $1,268 | $4,913-74.2% | $3,758-66.3% | $4,869-74.0% |
| Participant deferral / active EE | $2,128 | $5,127-58.5% | $4,311-50.6% | $5,287-59.7% |
| Admin fee / account holder | $6,105 | $10,253-40.5% | $7,645-20.2% | $10,133-39.8% |