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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 | $55,097 | $167,533-67.1% | $151,645-63.7% | $134,545-59.0% |
| Participation rate | 100.0% | 88.4%+11.6pp | 87.5%+12.5pp | 81.2%+18.8pp |
| Annual return | -14.70% | 7.81%-22.5pp | 3.34%-18.0pp | 418.37%-433.1pp |
| Employer contribution / active EE | $3,236 | $6,828-52.6% | $6,165-47.5% | $4,742-31.8% |
| Participant deferral / active EE | $11,214 | $8,985+24.8% | $8,363+34.1% | $6,401+75.2% |
| Admin fee / account holder | $7,012 | $13,781-49.1% | $11,614-39.6% | $11,431-38.7% |