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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 | $144,686 | $167,362-13.5% | $143,799+0.6% | $134,532+7.5% |
| Participation rate | 91.7% | 84.8%+6.8pp | 80.3%+11.4pp | 81.2%+10.4pp |
| Annual return | -10.78% | 0.47%-11.3pp | -0.04%-10.7pp | 418.27%-429.0pp |
| Employer contribution / active EE | $4,292 | $5,620-23.6% | $4,952-13.3% | $4,741-9.5% |
| Participant deferral / active EE | $7,104 | $6,447+10.2% | $5,638+26.0% | $6,401+11.0% |
| Admin fee / account holder | $12,629 | $18,094-30.2% | $14,677-14.0% | $11,429+10.5% |