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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 | $91,727 | $167,362-45.2% | $143,799-36.2% | $134,532-31.8% |
| Participation rate | 75.0% | 84.8%-9.8pp | 80.3%-5.3pp | 81.2%-6.2pp |
| Annual return | -7.83% | 0.47%-8.3pp | -0.04%-7.8pp | 418.27%-426.1pp |
| Employer contribution / active EE | $1,828 | $5,620-67.5% | $4,952-63.1% | $4,741-61.5% |
| Participant deferral / active EE | $3,170 | $6,447-50.8% | $5,638-43.8% | $6,401-50.5% |
| Admin fee / account holder | $1,479 | $18,094-91.8% | $14,677-89.9% | $11,429-87.1% |