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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 | $80,616 | $167,353-51.8% | $143,797-43.9% | $134,545-40.1% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -17.26% | 0.48%-17.7pp | -0.04%-17.2pp | 418.37%-435.6pp |
| Employer contribution / active EE | $4,424 | $5,620-21.3% | $4,952-10.7% | $4,742-6.7% |
| Participant deferral / active EE | $10,027 | $6,447+55.5% | $5,638+77.8% | $6,401+56.6% |
| Admin fee / account holder | $313 | $18,096-98.3% | $14,679-97.9% | $11,431-97.3% |