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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 | $146,271 | $167,503-12.7% | $151,627-3.5% | $134,493+8.8% |
| Participation rate | 81.3% | 88.4%-7.1pp | 87.5%-6.2pp | 81.2%0pp |
| Annual return | -15.04% | 7.80%-22.8pp | 3.33%-18.4pp | 418.01%-433.1pp |
| Employer contribution / active EE | $3,855 | $6,829-43.5% | $6,166-37.5% | $4,740-18.7% |
| Participant deferral / active EE | $8,252 | $8,985-8.2% | $8,363-1.3% | $6,400+28.9% |
| Admin fee / account holder | $6,138 | $13,777-55.4% | $11,612-47.1% | $11,425-46.3% |