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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 | $93,966 | $131,835-28.7% | $108,582-13.5% | $273,972-65.7% |
| Participation rate | 100.0% | 83.5%+16.5pp | 79.6%+20.4pp | 83.0%+17.0pp |
| Annual return | 8.81% | -91.57%+100.4pp | -51.70%+60.5pp | 41.46%-32.6pp |
| Employer contribution / active EE | $2,314 | $4,913-52.9% | $3,758-38.4% | $4,869-52.5% |
| Participant deferral / active EE | $5,363 | $5,127+4.6% | $4,311+24.4% | $5,287+1.4% |
| Admin fee / account holder | $2,451 | $10,253-76.1% | $7,645-67.9% | $10,133-75.8% |