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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 | $39,375 | $167,352-76.5% | $143,788-72.6% | $134,509-70.7% |
| Participation rate | 71.4% | 84.8%-13.4pp | 80.3%-8.9pp | 81.2%-9.8pp |
| Annual return | -17.81% | 0.47%-18.3pp | -0.03%-17.8pp | 418.13%-435.9pp |
| Employer contribution / active EE | $1,981 | $5,620-64.8% | $4,952-60.0% | $4,741-58.2% |
| Participant deferral / active EE | $5,659 | $6,447-12.2% | $5,638+0.4% | $6,400-11.6% |
| Admin fee / account holder | $519 | $18,091-97.1% | $14,675-96.5% | $11,427-95.5% |