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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 | $91,341 | $167,353-45.4% | $143,797-36.5% | $134,545-32.1% |
| Participation rate | 100.0% | 84.8%+15.2pp | 80.3%+19.7pp | 81.2%+18.8pp |
| Annual return | -14.22% | 0.48%-14.7pp | -0.04%-14.2pp | 418.37%-432.6pp |
| Employer contribution / active EE | $6,040 | $5,620+7.5% | $4,952+22.0% | $4,742+27.4% |
| Participant deferral / active EE | $3,996 | $6,447-38.0% | $5,638-29.1% | $6,401-37.6% |
| Admin fee / account holder | $1,118 | $18,096-93.8% | $14,679-92.4% | $11,431-90.2% |