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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 | $89,059 | $131,835-32.4% | $108,582-18.0% | $273,972-67.5% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.6%+20.4pp | 83.0%+17.0pp |
| Annual return | 4.98% | -91.57%+96.6pp | -51.70%+56.7pp | 41.46%-36.5pp |
| Employer contribution / active EE | $2,799 | $4,913-43.0% | $3,758-25.5% | $4,869-42.5% |
| Participant deferral / active EE | $5,921 | $5,127+15.5% | $4,311+37.3% | $5,287+12.0% |
| Admin fee / account holder | $2,428 | $10,253-76.3% | $7,645-68.2% | $10,133-76.0% |