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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 | $118,726 | $142,392-16.6% | $119,622-0.7% | $134,532-11.7% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -14.54% | -12.46%-2.1pp | -14.98%+0.4pp | 418.27%-432.8pp |
| Employer contribution / active EE | $3,712 | $5,224-28.9% | $4,232-12.3% | $4,741-21.7% |
| Participant deferral / active EE | $4,535 | $6,467-29.9% | $5,601-19.0% | $6,401-29.1% |
| Admin fee / account holder | $4,735 | $13,593-65.2% | $10,328-54.2% | $11,429-58.6% |