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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 | $83,309 | $167,353-50.2% | $143,797-42.1% | $134,545-38.1% |
| Participation rate | 94.7% | 84.8%+9.9pp | 80.3%+14.4pp | 81.2%+13.5pp |
| Annual return | -6.49% | 0.48%-7.0pp | -0.04%-6.5pp | 418.37%-424.9pp |
| Employer contribution / active EE | $6,633 | $5,620+18.0% | $4,952+33.9% | $4,742+39.9% |
| Participant deferral / active EE | $6,129 | $6,447-4.9% | $5,638+8.7% | $6,401-4.2% |
| Admin fee / account holder | $591 | $18,096-96.7% | $14,679-96.0% | $11,431-94.8% |