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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 | $26,224 | $167,362-84.3% | $143,799-81.8% | $134,532-80.5% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -16.20% | 0.47%-16.7pp | -0.04%-16.2pp | 418.27%-434.5pp |
| Employer contribution / active EE | $5,760 | $5,620+2.5% | $4,952+16.3% | $4,741+21.5% |
| Participant deferral / active EE | $5,343 | $6,447-17.1% | $5,638-5.2% | $6,401-16.5% |
| Admin fee / account holder | $1,593 | $18,094-91.2% | $14,677-89.1% | $11,429-86.1% |