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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 | $79,322 | $90,590-12.4% | $90,782-12.6% | $135,382-41.4% |
| Participation rate | 100.0% | 83.7%+16.3pp | 82.7%+17.3pp | 82.6%+17.4pp |
| Annual return | -4.19% | -3.40%-0.8pp | -3.42%-0.8pp | 519.77%-524.0pp |
| Employer contribution / active EE | $2,260 | $4,352-48.1% | $4,105-44.9% | $4,779-52.7% |
| Participant deferral / active EE | $6,293 | $5,407+16.4% | $5,366+17.3% | $5,609+12.2% |
| Admin fee / account holder | $33,986 | $7,683+342.4% | $5,908+475.3% | $10,829+213.9% |