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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 | $79,618 | $167,362-52.4% | $143,799-44.6% | $134,532-40.8% |
| Participation rate | 90.0% | 84.8%+5.2pp | 80.3%+9.7pp | 81.2%+8.8pp |
| Annual return | -16.57% | 0.47%-17.0pp | -0.04%-16.5pp | 418.27%-434.8pp |
| Employer contribution / active EE | $2,335 | $5,620-58.5% | $4,952-52.9% | $4,741-50.8% |
| Participant deferral / active EE | $4,213 | $6,447-34.7% | $5,638-25.3% | $6,401-34.2% |
| Admin fee / account holder | $328 | $18,094-98.2% | $14,677-97.8% | $11,429-97.1% |