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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 | $31,836 | $113,941-72.1% | $94,228-66.2% | $125,388-74.6% |
| Participation rate | 100.0% | 82.9%+17.1pp | 78.8%+21.2pp | 83.2%+16.8pp |
| Annual return | -3.40% | 5.29%-8.7pp | 10.68%-14.1pp | 282.24%-285.6pp |
| Employer contribution / active EE | $1,762 | $4,727-62.7% | $3,587-50.9% | $4,866-63.8% |
| Participant deferral / active EE | $13,061 | $5,179+152.2% | $4,320+202.3% | $5,352+144.1% |
| Admin fee / account holder | $9,746 | $8,392+16.1% | $6,269+55.5% | $9,541+2.2% |