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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 | $64,606 | $95,188-32.1% | $76,518-15.6% | $135,380-52.3% |
| Participation rate | 78.9% | 74.4%+4.6pp | 68.0%+10.9pp | 82.6%-3.7pp |
| Annual return | -7.62% | 4.85%-12.5pp | -0.27%-7.4pp | 519.81%-527.4pp |
| Employer contribution / active EE | $4,736 | $3,303+43.4% | $2,647+78.9% | $4,779-0.9% |
| Participant deferral / active EE | $2,163 | $4,640-53.4% | $3,836-43.6% | $5,609-61.4% |
| Admin fee / account holder | $900 | $6,249-85.6% | $4,849-81.4% | $10,828-91.7% |