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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 | $76,584 | $167,353-54.2% | $143,797-46.7% | $134,545-43.1% |
| Participation rate | 94.4% | 84.8%+9.6pp | 80.3%+14.1pp | 81.2%+13.2pp |
| Annual return | -11.00% | 0.48%-11.5pp | -0.04%-11.0pp | 418.37%-429.4pp |
| Employer contribution / active EE | $4,624 | $5,620-17.7% | $4,952-6.6% | $4,742-2.5% |
| Participant deferral / active EE | $6,741 | $6,447+4.6% | $5,638+19.6% | $6,401+5.3% |
| Admin fee / account holder | $2,124 | $18,096-88.3% | $14,679-85.5% | $11,431-81.4% |