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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 | $125,882 | $167,353-24.8% | $143,797-12.5% | $134,545-6.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -16.17% | 0.48%-16.7pp | -0.04%-16.1pp | 418.37%-434.5pp |
| Employer contribution / active EE | $5,329 | $5,620-5.2% | $4,952+7.6% | $4,742+12.4% |
| Participant deferral / active EE | $5,920 | $6,447-8.2% | $5,638+5.0% | $6,401-7.5% |
| Admin fee / account holder | $361 | $18,096-98.0% | $14,679-97.5% | $11,431-96.8% |