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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 | $91,052 | $167,353-45.6% | $143,797-36.7% | $134,545-32.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -11.06% | 0.48%-11.5pp | -0.04%-11.0pp | 418.37%-429.4pp |
| Employer contribution / active EE | $2,433 | $5,620-56.7% | $4,952-50.9% | $4,742-48.7% |
| Participant deferral / active EE | $8,239 | $6,447+27.8% | $5,638+46.1% | $6,401+28.7% |
| Admin fee / account holder | $16,890 | $18,096-6.7% | $14,679+15.1% | $11,431+47.8% |