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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 | $37,100 | $53,162-30.2% | $91,225-59.3% | $68,486-45.8% |
| Participation rate | 77.4% | 63.2%+14.2pp | 73.2%+4.2pp | 67.9%+9.5pp |
| Annual return | -14.19% | -3.14%-11.1pp | 114.12%-128.3pp | -7.85%-6.3pp |
| Employer contribution / active EE | $6,397 | $1,709+274.2% | $2,851+124.4% | $2,597+146.4% |
| Participant deferral / active EE | $4,115 | $2,974+38.4% | $4,233-2.8% | $4,028+2.2% |
| Admin fee / account holder | $1,928 | $4,493-57.1% | $5,422-64.4% | $5,404-64.3% |