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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 | $72,232 | $167,352-56.8% | $143,788-49.8% | $134,509-46.3% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -17.87% | 0.47%-18.3pp | -0.03%-17.8pp | 418.13%-436.0pp |
| Employer contribution / active EE | $3,588 | $5,620-36.2% | $4,952-27.5% | $4,741-24.3% |
| Participant deferral / active EE | $6,934 | $6,447+7.6% | $5,638+23.0% | $6,400+8.3% |
| Admin fee / account holder | $2,611 | $18,091-85.6% | $14,675-82.2% | $11,427-77.1% |