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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 | $122,852 | $158,852-22.7% | $121,220+1.3% | $135,380-9.3% |
| Participation rate | 85.0% | 79.3%+5.7pp | 71.8%+13.2pp | 82.6%+2.4pp |
| Annual return | -7.29% | -0.64%-6.7pp | 16.94%-24.2pp | 519.81%-527.1pp |
| Employer contribution / active EE | $5,172 | $5,666-8.7% | $4,023+28.6% | $4,779+8.2% |
| Participant deferral / active EE | $12,166 | $4,006+203.7% | $3,345+263.7% | $5,609+116.9% |
| Admin fee / account holder | $986 | $6,515-84.9% | $5,021-80.4% | $10,828-90.9% |