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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 | $78,508 | $142,392-44.9% | $119,622-34.4% | $134,532-41.6% |
| Participation rate | 100.0% | 82.8%+17.2pp | 79.3%+20.7pp | 81.2%+18.8pp |
| Annual return | -13.90% | -12.46%-1.4pp | -14.98%+1.1pp | 418.27%-432.2pp |
| Employer contribution / active EE | $2,209 | $5,224-57.7% | $4,232-47.8% | $4,741-53.4% |
| Participant deferral / active EE | $4,174 | $6,467-35.5% | $5,601-25.5% | $6,401-34.8% |
| Admin fee / account holder | $5,694 | $13,593-58.1% | $10,328-44.9% | $11,429-50.2% |