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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 | $80,593 | $142,392-43.4% | $119,622-32.6% | $134,532-40.1% |
| Participation rate | 88.9% | 82.8%+6.1pp | 79.3%+9.6pp | 81.2%+7.7pp |
| Annual return | -16.59% | -12.46%-4.1pp | -14.98%-1.6pp | 418.27%-434.9pp |
| Employer contribution / active EE | $3,449 | $5,224-34.0% | $4,232-18.5% | $4,741-27.3% |
| Participant deferral / active EE | $9,354 | $6,467+44.6% | $5,601+67.0% | $6,401+46.1% |
| Admin fee / account holder | $6,377 | $13,593-53.1% | $10,328-38.3% | $11,429-44.2% |