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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 | $56,769 | $78,694-27.9% | $67,652-16.1% | $125,389-54.7% |
| Participation rate | 81.8% | 78.8%+3.0pp | 75.7%+6.2pp | 83.2%-1.4pp |
| Annual return | -0.72% | 9.46%-10.2pp | 6625.40%-6626.1pp | 282.24%-283.0pp |
| Employer contribution / active EE | $1,360 | $3,044-55.3% | $2,266-40.0% | $4,866-72.1% |
| Participant deferral / active EE | $3,157 | $4,292-26.5% | $3,560-11.3% | $5,352-41.0% |
| Admin fee / account holder | $1,695 | $7,403-77.1% | $4,821-64.8% | $9,541-82.2% |