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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 | $57,230 | $95,895-40.3% | $79,576-28.1% | $134,509-57.5% |
| Participation rate | 92.3% | 75.0%+17.3pp | 69.5%+22.8pp | 81.2%+11.1pp |
| Annual return | -16.71% | -2.72%-14.0pp | 0.15%-16.9pp | 418.13%-434.8pp |
| Employer contribution / active EE | $2,781 | $3,128-11.1% | $2,413+15.2% | $4,741-41.3% |
| Participant deferral / active EE | $6,155 | $4,693+31.2% | $3,985+54.4% | $6,400-3.8% |
| Admin fee / account holder | $327 | $9,129-96.4% | $6,834-95.2% | $11,427-97.1% |