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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 | $39,108 | $142,361-72.5% | $119,608-67.3% | $134,509-70.9% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -12.04% | -12.46%+0.4pp | -14.98%+2.9pp | 418.13%-430.2pp |
| Employer contribution / active EE | $4,499 | $5,224-13.9% | $4,232+6.3% | $4,741-5.1% |
| Participant deferral / active EE | $7,883 | $6,468+21.9% | $5,601+40.7% | $6,400+23.2% |
| Admin fee / account holder | $837 | $13,588-93.8% | $10,326-91.9% | $11,427-92.7% |