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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 | $105,154 | $167,362-37.2% | $143,799-26.9% | $134,532-21.8% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -15.50% | 0.47%-16.0pp | -0.04%-15.5pp | 418.27%-433.8pp |
| Employer contribution / active EE | $2,864 | $5,620-49.0% | $4,952-42.2% | $4,741-39.6% |
| Participant deferral / active EE | $11,933 | $6,447+85.1% | $5,638+111.6% | $6,401+86.4% |
| Admin fee / account holder | $1,691 | $18,094-90.7% | $14,677-88.5% | $11,429-85.2% |