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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 | $81,267 | $105,867-23.2% | $90,760-10.5% | $134,532-39.6% |
| Participation rate | 71.4% | 78.3%-6.8pp | 75.7%-4.3pp | 81.2%-9.8pp |
| Annual return | -18.85% | -10.99%-7.9pp | -12.16%-6.7pp | 418.27%-437.1pp |
| Employer contribution / active EE | $1,870 | $3,464-46.0% | $2,922-36.0% | $4,741-60.6% |
| Participant deferral / active EE | $4,347 | $5,217-16.7% | $4,565-4.8% | $6,401-32.1% |
| Admin fee / account holder | $9,478 | $13,936-32.0% | $8,444+12.2% | $11,429-17.1% |