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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 | $43,054 | $82,678-47.9% | $125,391-65.7% | $68,490-37.1% |
| Participation rate | 78.1% | 75.1%+3.1pp | 82.4%-4.3pp | 67.9%+10.2pp |
| Annual return | -15.01% | -5.97%-9.0pp | 572.41%-587.4pp | -7.85%-7.2pp |
| Employer contribution / active EE | $1,753 | $3,382-48.2% | $4,816-63.6% | $2,597-32.5% |
| Participant deferral / active EE | $5,799 | $6,111-5.1% | $7,448-22.1% | $4,028+44.0% |
| Admin fee / account holder | $415 | $6,277-93.4% | $10,009-95.9% | $5,403-92.3% |