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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 | $144,325 | $142,409+1.3% | $119,634+20.6% | $134,545+7.3% |
| Participation rate | 80.0% | 82.8%-2.8pp | 79.3%+0.7pp | 81.2%-1.2pp |
| Annual return | -13.20% | -12.46%-0.7pp | -14.98%+1.8pp | 418.37%-431.6pp |
| Employer contribution / active EE | $13,620 | $5,224+160.7% | $4,232+221.8% | $4,742+187.2% |
| Participant deferral / active EE | $13,026 | $6,468+101.4% | $5,601+132.6% | $6,401+103.5% |
| Admin fee / account holder | $940 | $13,594-93.1% | $10,329-90.9% | $11,431-91.8% |