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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 | $68,847 | $72,404-4.9% | $110,241-37.5% | $64,181+7.3% |
| Participation rate | 80.6% | 73.3%+7.2pp | 79.8%+0.7pp | 69.6%+11.0pp |
| Annual return | -6.91% | -6.29%-0.6pp | 314.75%-321.7pp | 7.63%-14.5pp |
| Employer contribution / active EE | $1,809 | $2,282-20.7% | $3,827-52.7% | $2,381-24.0% |
| Participant deferral / active EE | $2,675 | $3,469-22.9% | $4,672-42.7% | $3,470-22.9% |
| Admin fee / account holder | $2,201 | $5,664-61.1% | $8,548-74.2% | $4,887-55.0% |