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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 | $124,116 | $167,362-25.8% | $143,799-13.7% | $134,532-7.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -16.86% | 0.47%-17.3pp | -0.04%-16.8pp | 418.27%-435.1pp |
| Employer contribution / active EE | $2,846 | $5,620-49.4% | $4,952-42.5% | $4,741-40.0% |
| Participant deferral / active EE | $10,933 | $6,447+69.6% | $5,638+93.9% | $6,401+70.8% |
| Admin fee / account holder | $405 | $18,094-97.8% | $14,677-97.2% | $11,429-96.5% |