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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 | $70,545 | $95,917-26.5% | $79,583-11.4% | $134,545-47.6% |
| Participation rate | 71.4% | 75.0%-3.6pp | 69.5%+1.9pp | 81.2%-9.8pp |
| Annual return | -18.06% | -2.70%-15.4pp | 0.16%-18.2pp | 418.37%-436.4pp |
| Employer contribution / active EE | $2,818 | $3,129-10.0% | $2,414+16.7% | $4,742-40.6% |
| Participant deferral / active EE | $4,431 | $4,694-5.6% | $3,986+11.2% | $6,401-30.8% |
| Admin fee / account holder | $315 | $9,132-96.6% | $6,835-95.4% | $11,431-97.2% |