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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 | $85,085 | $167,353-49.2% | $143,797-40.8% | $134,545-36.8% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -14.19% | 0.48%-14.7pp | -0.04%-14.2pp | 418.37%-432.6pp |
| Employer contribution / active EE | $3,080 | $5,620-45.2% | $4,952-37.8% | $4,742-35.0% |
| Participant deferral / active EE | $10,740 | $6,447+66.6% | $5,638+90.5% | $6,401+67.8% |
| Admin fee / account holder | $1,446 | $18,096-92.0% | $14,679-90.1% | $11,431-87.3% |