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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 | $105,823 | $167,362-36.8% | $143,799-26.4% | $134,532-21.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -14.36% | 0.47%-14.8pp | -0.04%-14.3pp | 418.27%-432.6pp |
| Employer contribution / active EE | $5,421 | $5,620-3.6% | $4,952+9.5% | $4,741+14.3% |
| Participant deferral / active EE | $5,224 | $6,447-19.0% | $5,638-7.3% | $6,401-18.4% |
| Admin fee / account holder | $1,080 | $18,094-94.0% | $14,677-92.6% | $11,429-90.5% |