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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 | $38,676 | $167,522-76.9% | $151,639-74.5% | $134,532-71.3% |
| Participation rate | 71.4% | 88.4%-16.9pp | 87.5%-16.1pp | 81.2%-9.8pp |
| Annual return | -17.03% | 7.81%-24.8pp | 3.34%-20.4pp | 418.27%-435.3pp |
| Employer contribution / active EE | $5,837 | $6,828-14.5% | $6,165-5.3% | $4,741+23.1% |
| Participant deferral / active EE | $4,037 | $8,986-55.1% | $8,363-51.7% | $6,401-36.9% |
| Admin fee / account holder | $496 | $13,780-96.4% | $11,613-95.7% | $11,429-95.7% |