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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 | $65,816 | $167,353-60.7% | $143,797-54.2% | $134,545-51.1% |
| Participation rate | 84.6% | 84.8%-0.2pp | 80.3%+4.3pp | 81.2%+3.4pp |
| Annual return | -15.65% | 0.48%-16.1pp | -0.04%-15.6pp | 418.37%-434.0pp |
| Employer contribution / active EE | $10,154 | $5,620+80.7% | $4,952+105.0% | $4,742+114.1% |
| Participant deferral / active EE | $9,537 | $6,447+47.9% | $5,638+69.1% | $6,401+49.0% |
| Admin fee / account holder | $6,422 | $18,096-64.5% | $14,679-56.3% | $11,431-43.8% |