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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 | $93,040 | $167,362-44.4% | $143,799-35.3% | $134,532-30.8% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -19.52% | 0.47%-20.0pp | -0.04%-19.5pp | 418.27%-437.8pp |
| Employer contribution / active EE | $4,634 | $5,620-17.5% | $4,952-6.4% | $4,741-2.3% |
| Participant deferral / active EE | $8,258 | $6,447+28.1% | $5,638+46.5% | $6,401+29.0% |
| Admin fee / account holder | $394 | $18,094-97.8% | $14,677-97.3% | $11,429-96.6% |