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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 | $83,917 | $133,998-37.4% | $112,263-25.2% | $134,545-37.6% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -15.48% | 47.17%-62.6pp | 27.49%-43.0pp | 418.37%-433.8pp |
| Employer contribution / active EE | $3,864 | $4,040-4.4% | $3,636+6.3% | $4,742-18.5% |
| Participant deferral / active EE | $7,809 | $5,292+47.5% | $4,729+65.1% | $6,401+22.0% |
| Admin fee / account holder | $6,831 | $7,493-8.8% | $6,410+6.6% | $11,431-40.2% |