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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 | $39,308 | $167,362-76.5% | $143,799-72.7% | $134,532-70.8% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -11.45% | 0.47%-11.9pp | -0.04%-11.4pp | 418.27%-429.7pp |
| Employer contribution / active EE | $2,943 | $5,620-47.6% | $4,952-40.6% | $4,741-37.9% |
| Participant deferral / active EE | $6,471 | $6,447+0.4% | $5,638+14.8% | $6,401+1.1% |
| Admin fee / account holder | $344 | $18,094-98.1% | $14,677-97.7% | $11,429-97.0% |