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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 | $71,217 | $167,362-57.4% | $143,799-50.5% | $134,532-47.1% |
| Participation rate | 93.8% | 84.8%+8.9pp | 80.3%+13.4pp | 81.2%+12.5pp |
| Annual return | -19.75% | 0.47%-20.2pp | -0.04%-19.7pp | 418.27%-438.0pp |
| Employer contribution / active EE | $1,641 | $5,620-70.8% | $4,952-66.9% | $4,741-65.4% |
| Participant deferral / active EE | $7,724 | $6,447+19.8% | $5,638+37.0% | $6,401+20.7% |
| Admin fee / account holder | $11,011 | $18,094-39.1% | $14,677-25.0% | $11,429-3.7% |