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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 | $60,840 | $142,392-57.3% | $119,622-49.1% | $134,532-54.8% |
| Participation rate | 75.0% | 82.8%-7.8pp | 79.3%-4.3pp | 81.2%-6.2pp |
| Annual return | -17.48% | -12.46%-5.0pp | -14.98%-2.5pp | 418.27%-435.7pp |
| Employer contribution / active EE | $3,684 | $5,224-29.5% | $4,232-12.9% | $4,741-22.3% |
| Participant deferral / active EE | $5,637 | $6,467-12.8% | $5,601+0.6% | $6,401-11.9% |
| Admin fee / account holder | $421 | $13,593-96.9% | $10,328-95.9% | $11,429-96.3% |