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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 | $23,538 | $83,427-71.8% | $115,756-79.7% | $68,490-65.6% |
| Participation rate | 70.5% | 71.9%-1.4pp | 77.1%-6.6pp | 67.9%+2.6pp |
| Annual return | -10.65% | -10.95%+0.3pp | 143.14%-153.8pp | -7.85%-2.8pp |
| Employer contribution / active EE | $2,310 | $3,075-24.9% | $3,793-39.1% | $2,597-11.0% |
| Participant deferral / active EE | $7,855 | $5,355+46.7% | $6,254+25.6% | $4,028+95.0% |
| Admin fee / account holder | $2,264 | $5,708-60.3% | $8,124-72.1% | $5,403-58.1% |