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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 | $135,047 | $142,409-5.2% | $119,634+12.9% | $134,545+0.4% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -14.32% | -12.46%-1.9pp | -14.98%+0.7pp | 418.37%-432.7pp |
| Employer contribution / active EE | $2,773 | $5,224-46.9% | $4,232-34.5% | $4,742-41.5% |
| Participant deferral / active EE | $6,296 | $6,468-2.7% | $5,601+12.4% | $6,401-1.6% |
| Admin fee / account holder | $4,898 | $13,594-64.0% | $10,329-52.6% | $11,431-57.2% |