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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 | $66,956 | $78,694-14.9% | $67,652-1.0% | $125,393-46.6% |
| Participation rate | 73.3% | 78.8%-5.5pp | 75.7%-2.3pp | 83.2%-9.9pp |
| Annual return | -1.72% | 9.46%-11.2pp | 6625.04%-6626.8pp | 282.23%-284.0pp |
| Employer contribution / active EE | $2,557 | $3,044-16.0% | $2,266+12.9% | $4,866-47.4% |
| Participant deferral / active EE | $4,388 | $4,292+2.2% | $3,560+23.3% | $5,351-18.0% |
| Admin fee / account holder | $2,676 | $7,403-63.9% | $4,821-44.5% | $9,541-72.0% |