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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 | $53,695 | $167,362-67.9% | $143,799-62.7% | $134,532-60.1% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -15.16% | 0.47%-15.6pp | -0.04%-15.1pp | 418.27%-433.4pp |
| Employer contribution / active EE | $3,887 | $5,620-30.8% | $4,952-21.5% | $4,741-18.0% |
| Participant deferral / active EE | $3,609 | $6,447-44.0% | $5,638-36.0% | $6,401-43.6% |
| Admin fee / account holder | $4,182 | $18,094-76.9% | $14,677-71.5% | $11,429-63.4% |