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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 | $101,093 | $167,353-39.6% | $143,797-29.7% | $134,545-24.9% |
| Participation rate | 73.9% | 84.8%-10.9pp | 80.3%-6.4pp | 81.2%-7.3pp |
| Annual return | -11.96% | 0.48%-12.4pp | -0.04%-11.9pp | 418.37%-430.3pp |
| Employer contribution / active EE | $1,597 | $5,620-71.6% | $4,952-67.8% | $4,742-66.3% |
| Participant deferral / active EE | $2,773 | $6,447-57.0% | $5,638-50.8% | $6,401-56.7% |
| Admin fee / account holder | $12,347 | $18,096-31.8% | $14,679-15.9% | $11,431+8.0% |