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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 | $159,204 | $167,352-4.9% | $143,788+10.7% | $134,509+18.4% |
| Participation rate | 70.0% | 84.8%-14.8pp | 80.3%-10.3pp | 81.2%-11.2pp |
| Annual return | -17.32% | 0.47%-17.8pp | -0.03%-17.3pp | 418.13%-435.5pp |
| Employer contribution / active EE | $2,003 | $5,620-64.4% | $4,952-59.6% | $4,741-57.8% |
| Participant deferral / active EE | $7,558 | $6,447+17.2% | $5,638+34.1% | $6,400+18.1% |
| Admin fee / account holder | $11,581 | $18,091-36.0% | $14,675-21.1% | $11,427+1.3% |