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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 | $76,248 | $167,352-54.4% | $143,788-47.0% | $134,509-43.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -17.26% | 0.47%-17.7pp | -0.03%-17.2pp | 418.13%-435.4pp |
| Employer contribution / active EE | $4,596 | $5,620-18.2% | $4,952-7.2% | $4,741-3.1% |
| Participant deferral / active EE | $11,047 | $6,447+71.3% | $5,638+95.9% | $6,400+72.6% |
| Admin fee / account holder | $1,510 | $18,091-91.7% | $14,675-89.7% | $11,427-86.8% |