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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 | $54,557 | $167,352-67.4% | $143,788-62.1% | $134,509-59.4% |
| Participation rate | 91.7% | 84.8%+6.9pp | 80.3%+11.4pp | 81.2%+10.4pp |
| Annual return | -5.58% | 0.47%-6.0pp | -0.03%-5.5pp | 418.13%-423.7pp |
| Employer contribution / active EE | $9,433 | $5,620+67.9% | $4,952+90.5% | $4,741+99.0% |
| Participant deferral / active EE | $3,807 | $6,447-40.9% | $5,638-32.5% | $6,400-40.5% |
| Admin fee / account holder | $399 | $18,091-97.8% | $14,675-97.3% | $11,427-96.5% |