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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 | $122,443 | $167,353-26.8% | $143,797-14.9% | $134,545-9.0% |
| Participation rate | 93.3% | 84.8%+8.5pp | 80.3%+13.0pp | 81.2%+12.1pp |
| Annual return | -13.69% | 0.48%-14.2pp | -0.04%-13.7pp | 418.37%-432.1pp |
| Employer contribution / active EE | $3,228 | $5,620-42.6% | $4,952-34.8% | $4,742-31.9% |
| Participant deferral / active EE | $4,063 | $6,447-37.0% | $5,638-27.9% | $6,401-36.5% |
| Admin fee / account holder | $505 | $18,096-97.2% | $14,679-96.6% | $11,431-95.6% |