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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 | $56,872 | $167,353-66.0% | $143,797-60.4% | $134,545-57.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -9.65% | 0.48%-10.1pp | -0.04%-9.6pp | 418.37%-428.0pp |
| Employer contribution / active EE | $5,465 | $5,620-2.8% | $4,952+10.4% | $4,742+15.3% |
| Participant deferral / active EE | $4,198 | $6,447-34.9% | $5,638-25.5% | $6,401-34.4% |
| Admin fee / account holder | $3,805 | $18,096-79.0% | $14,679-74.1% | $11,431-66.7% |