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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 | $93,871 | $167,353-43.9% | $143,797-34.7% | $134,545-30.2% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -16.29% | 0.48%-16.8pp | -0.04%-16.3pp | 418.37%-434.7pp |
| Employer contribution / active EE | $7,392 | $5,620+31.5% | $4,952+49.3% | $4,742+55.9% |
| Participant deferral / active EE | $7,305 | $6,447+13.3% | $5,638+29.6% | $6,401+14.1% |
| Admin fee / account holder | $321 | $18,096-98.2% | $14,679-97.8% | $11,431-97.2% |