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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 | $50,842 | $72,404-29.8% | $110,241-53.9% | $64,181-20.8% |
| Participation rate | 70.0% | 73.3%-3.3pp | 79.8%-9.8pp | 69.6%+0.4pp |
| Annual return | -5.50% | -6.29%+0.8pp | 314.75%-320.3pp | 7.63%-13.1pp |
| Employer contribution / active EE | $2,173 | $2,282-4.7% | $3,827-43.2% | $2,381-8.7% |
| Participant deferral / active EE | $3,295 | $3,469-5.0% | $4,672-29.5% | $3,470-5.0% |
| Admin fee / account holder | $3,589 | $5,664-36.6% | $8,548-58.0% | $4,887-26.6% |