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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 | $44,099 | $167,353-73.6% | $143,797-69.3% | $134,545-67.2% |
| Participation rate | 83.3% | 84.8%-1.5pp | 80.3%+3.0pp | 81.2%+2.1pp |
| Annual return | -18.87% | 0.48%-19.4pp | -0.04%-18.8pp | 418.37%-437.2pp |
| Employer contribution / active EE | $3,490 | $5,620-37.9% | $4,952-29.5% | $4,742-26.4% |
| Participant deferral / active EE | $9,532 | $6,447+47.8% | $5,638+69.1% | $6,401+48.9% |
| Admin fee / account holder | $856 | $18,096-95.3% | $14,679-94.2% | $11,431-92.5% |