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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 | $53,228 | $167,362-68.2% | $143,799-63.0% | $134,532-60.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -19.60% | 0.47%-20.1pp | -0.04%-19.6pp | 418.27%-437.9pp |
| Employer contribution / active EE | $4,882 | $5,620-13.1% | $4,952-1.4% | $4,741+3.0% |
| Participant deferral / active EE | $3,788 | $6,447-41.3% | $5,638-32.8% | $6,401-40.8% |
| Admin fee / account holder | $705 | $18,094-96.1% | $14,677-95.2% | $11,429-93.8% |