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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 | $95,921 | $142,361-32.6% | $119,608-19.8% | $134,509-28.7% |
| Participation rate | 77.8% | 82.8%-5.0pp | 79.3%-1.5pp | 81.2%-3.5pp |
| Annual return | -15.40% | -12.46%-2.9pp | -14.98%-0.4pp | 418.13%-433.5pp |
| Employer contribution / active EE | $6,881 | $5,224+31.7% | $4,232+62.6% | $4,741+45.1% |
| Participant deferral / active EE | $17,751 | $6,468+174.4% | $5,601+216.9% | $6,400+177.3% |
| Admin fee / account holder | $21,044 | $13,588+54.9% | $10,326+103.8% | $11,427+84.2% |