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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 | $87,238 | $142,409-38.7% | $119,634-27.1% | $134,545-35.2% |
| Participation rate | 93.8% | 82.8%+10.9pp | 79.3%+14.5pp | 81.2%+12.5pp |
| Annual return | -14.66% | -12.46%-2.2pp | -14.98%+0.3pp | 418.37%-433.0pp |
| Employer contribution / active EE | $7,948 | $5,224+52.1% | $4,232+87.8% | $4,742+67.6% |
| Participant deferral / active EE | $7,399 | $6,468+14.4% | $5,601+32.1% | $6,401+15.6% |
| Admin fee / account holder | $554 | $13,594-95.9% | $10,329-94.6% | $11,431-95.2% |