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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 | $128,334 | $167,353-23.3% | $143,797-10.8% | $134,545-4.6% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -16.29% | 0.48%-16.8pp | -0.04%-16.3pp | 418.37%-434.7pp |
| Employer contribution / active EE | $4,869 | $5,620-13.4% | $4,952-1.7% | $4,742+2.7% |
| Participant deferral / active EE | $5,330 | $6,447-17.3% | $5,638-5.5% | $6,401-16.7% |
| Admin fee / account holder | $1,573 | $18,096-91.3% | $14,679-89.3% | $11,431-86.2% |