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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 | $51,393 | $175,646-70.7% | $129,118-60.2% | $134,532-61.8% |
| Participation rate | 70.0% | 81.6%-11.6pp | 77.2%-7.2pp | 81.2%-11.2pp |
| Annual return | -17.23% | -11.39%-5.8pp | -10.94%-6.3pp | 418.27%-435.5pp |
| Employer contribution / active EE | $4,995 | $6,355-21.4% | $5,051-1.1% | $4,741+5.3% |
| Participant deferral / active EE | $7,124 | $7,970-10.6% | $6,539+9.0% | $6,401+11.3% |
| Admin fee / account holder | $4,544 | $23,578-80.7% | $14,305-68.2% | $11,429-60.2% |