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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 | $45,262 | $75,962-40.4% | $154,108-70.6% | $64,173-29.5% |
| Participation rate | 70.4% | 70.4%0pp | 83.0%-12.7pp | 69.6%+0.8pp |
| Annual return | -5.63% | 30.32%-36.0pp | 735.21%-740.8pp | 7.63%-13.3pp |
| Employer contribution / active EE | $1,211 | $3,350-63.9% | $5,298-77.1% | $2,381-49.1% |
| Participant deferral / active EE | $3,996 | $3,175+25.9% | $5,081-21.3% | $3,470+15.2% |
| Admin fee / account holder | $5,734 | $5,589+2.6% | $13,411-57.2% | $4,887+17.3% |