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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 | $29,170 | $142,409-79.5% | $119,634-75.6% | $134,545-78.3% |
| Participation rate | 91.7% | 82.8%+8.8pp | 79.3%+12.4pp | 81.2%+10.4pp |
| Annual return | -20.02% | -12.46%-7.6pp | -14.98%-5.0pp | 418.37%-438.4pp |
| Employer contribution / active EE | $3,174 | $5,224-39.2% | $4,232-25.0% | $4,742-33.1% |
| Participant deferral / active EE | $10,277 | $6,468+58.9% | $5,601+83.5% | $6,401+60.5% |
| Admin fee / account holder | $700 | $13,594-94.9% | $10,329-93.2% | $11,431-93.9% |