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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 | $42,536 | $54,380-21.8% | $68,509-37.9% | $59,633-28.7% |
| Participation rate | 97.2% | 70.2%+27.0pp | 74.7%+22.5pp | 68.7%+28.6pp |
| Annual return | -1.95% | 2.83%-4.8pp | 8.27%-10.2pp | 2041.40%-2043.4pp |
| Employer contribution / active EE | $10,955 | $1,539+612.0% | $2,278+380.9% | $2,203+397.4% |
| Participant deferral / active EE | $12,946 | $2,643+389.8% | $3,382+282.7% | $3,192+305.6% |
| Admin fee / account holder | $6,054 | $3,885+55.8% | $5,275+14.8% | $4,297+40.9% |