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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 | $45,339 | $167,362-72.9% | $143,799-68.5% | $134,532-66.3% |
| Participation rate | 90.9% | 84.8%+6.1pp | 80.3%+10.6pp | 81.2%+9.7pp |
| Annual return | -18.83% | 0.47%-19.3pp | -0.04%-18.8pp | 418.27%-437.1pp |
| Employer contribution / active EE | $2,634 | $5,620-53.1% | $4,952-46.8% | $4,741-44.4% |
| Participant deferral / active EE | $6,152 | $6,447-4.6% | $5,638+9.1% | $6,401-3.9% |
| Admin fee / account holder | $425 | $18,094-97.6% | $14,677-97.1% | $11,429-96.3% |