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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 | $80,213 | $113,941-29.6% | $94,229-14.9% | $125,389-36.0% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | -2.74% | 5.29%-8.0pp | 10.68%-13.4pp | 282.24%-285.0pp |
| Employer contribution / active EE | $5,131 | $4,727+8.5% | $3,587+43.1% | $4,866+5.4% |
| Participant deferral / active EE | $5,184 | $5,179+0.1% | $4,320+20.0% | $5,352-3.1% |
| Admin fee / account holder | $6,065 | $8,392-27.7% | $6,269-3.3% | $9,541-36.4% |