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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 | $56,998 | $97,020-41.3% | $83,322-31.6% | $135,379-57.9% |
| Participation rate | 73.3% | 80.4%-7.1pp | 77.8%-4.4pp | 82.6%-9.3pp |
| Annual return | -5.99% | 12.31%-18.3pp | 10.64%-16.6pp | 519.79%-525.8pp |
| Employer contribution / active EE | $4,167 | $4,144+0.6% | $3,379+23.3% | $4,779-12.8% |
| Participant deferral / active EE | $6,021 | $5,964+1.0% | $5,565+8.2% | $5,609+7.4% |
| Admin fee / account holder | $367 | $8,426-95.6% | $7,540-95.1% | $10,828-96.6% |