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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 | $53,787 | $167,522-67.9% | $151,639-64.5% | $134,532-60.0% |
| Participation rate | 95.0% | 88.4%+6.6pp | 87.5%+7.5pp | 81.2%+13.8pp |
| Annual return | -14.43% | 7.81%-22.2pp | 3.34%-17.8pp | 418.27%-432.7pp |
| Employer contribution / active EE | $3,369 | $6,828-50.7% | $6,165-45.3% | $4,741-28.9% |
| Participant deferral / active EE | $10,583 | $8,986+17.8% | $8,363+26.5% | $6,401+65.3% |
| Admin fee / account holder | $1,910 | $13,780-86.1% | $11,613-83.5% | $11,429-83.3% |