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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 | $42,958 | $167,362-74.3% | $143,799-70.1% | $134,532-68.1% |
| Participation rate | 86.4% | 84.8%+1.5pp | 80.3%+6.0pp | 81.2%+5.1pp |
| Annual return | -18.33% | 0.47%-18.8pp | -0.04%-18.3pp | 418.27%-436.6pp |
| Employer contribution / active EE | $1,808 | $5,620-67.8% | $4,952-63.5% | $4,741-61.9% |
| Participant deferral / active EE | $2,995 | $6,447-53.5% | $5,638-46.9% | $6,401-53.2% |
| Admin fee / account holder | $453 | $18,094-97.5% | $14,677-96.9% | $11,429-96.0% |