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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 | $182,579 | $167,362+9.1% | $143,799+27.0% | $134,532+35.7% |
| Participation rate | 84.6% | 84.8%-0.2pp | 80.3%+4.3pp | 81.2%+3.4pp |
| Annual return | -13.88% | 0.47%-14.4pp | -0.04%-13.8pp | 418.27%-432.1pp |
| Employer contribution / active EE | $5,677 | $5,620+1.0% | $4,952+14.6% | $4,741+19.8% |
| Participant deferral / active EE | $4,674 | $6,447-27.5% | $5,638-17.1% | $6,401-27.0% |
| Admin fee / account holder | $1,137 | $18,094-93.7% | $14,677-92.3% | $11,429-90.1% |