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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 | $57,946 | $167,362-65.4% | $143,799-59.7% | $134,532-56.9% |
| Participation rate | 92.9% | 84.8%+8.0pp | 80.3%+12.5pp | 81.2%+11.6pp |
| Annual return | -13.02% | 0.47%-13.5pp | -0.04%-13.0pp | 418.27%-431.3pp |
| Employer contribution / active EE | $3,009 | $5,620-46.5% | $4,952-39.2% | $4,741-36.5% |
| Participant deferral / active EE | $5,382 | $6,447-16.5% | $5,638-4.5% | $6,401-15.9% |
| Admin fee / account holder | $21,182 | $18,094+17.1% | $14,677+44.3% | $11,429+85.3% |