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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 | $134,032 | $167,353-19.9% | $143,797-6.8% | $134,545-0.4% |
| Participation rate | 94.7% | 84.8%+9.9pp | 80.3%+14.4pp | 81.2%+13.5pp |
| Annual return | -16.19% | 0.48%-16.7pp | -0.04%-16.1pp | 418.37%-434.6pp |
| Employer contribution / active EE | $2,044 | $5,620-63.6% | $4,952-58.7% | $4,742-56.9% |
| Participant deferral / active EE | $6,609 | $6,447+2.5% | $5,638+17.2% | $6,401+3.3% |
| Admin fee / account holder | $23,082 | $18,096+27.6% | $14,679+57.2% | $11,431+101.9% |