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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 | $51,289 | $105,866-51.6% | $90,766-43.5% | $134,545-61.9% |
| Participation rate | 100.0% | 78.3%+21.7pp | 75.7%+24.3pp | 81.2%+18.8pp |
| Annual return | -16.61% | -10.99%-5.6pp | -12.16%-4.5pp | 418.37%-435.0pp |
| Employer contribution / active EE | $3,116 | $3,464-10.0% | $2,922+6.6% | $4,742-34.3% |
| Participant deferral / active EE | $3,977 | $5,217-23.8% | $4,565-12.9% | $6,401-37.9% |
| Admin fee / account holder | $12,956 | $13,938-7.0% | $8,446+53.4% | $11,431+13.3% |