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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 | $28,454 | $142,392-80.0% | $119,622-76.2% | $134,532-78.8% |
| Participation rate | 89.5% | 82.8%+6.6pp | 79.3%+10.2pp | 81.2%+8.2pp |
| Annual return | -17.45% | -12.46%-5.0pp | -14.98%-2.5pp | 418.27%-435.7pp |
| Employer contribution / active EE | $3,778 | $5,224-27.7% | $4,232-10.7% | $4,741-20.3% |
| Participant deferral / active EE | $8,021 | $6,467+24.0% | $5,601+43.2% | $6,401+25.3% |
| Admin fee / account holder | $1,079 | $13,593-92.1% | $10,328-89.6% | $11,429-90.6% |