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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 | $122,366 | $167,353-26.9% | $143,797-14.9% | $134,545-9.1% |
| Participation rate | 89.5% | 84.8%+4.7pp | 80.3%+9.2pp | 81.2%+8.2pp |
| Annual return | -10.19% | 0.48%-10.7pp | -0.04%-10.1pp | 418.37%-428.6pp |
| Employer contribution / active EE | $4,585 | $5,620-18.4% | $4,952-7.4% | $4,742-3.3% |
| Participant deferral / active EE | $5,594 | $6,447-13.2% | $5,638-0.8% | $6,401-12.6% |
| Admin fee / account holder | $17,451 | $18,096-3.6% | $14,679+18.9% | $11,431+52.7% |