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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 | $175,829 | $142,409+23.5% | $119,634+47.0% | $134,545+30.7% |
| Participation rate | 79.2% | 82.8%-3.7pp | 79.3%-0.1pp | 81.2%-2.1pp |
| Annual return | -17.13% | -12.46%-4.7pp | -14.98%-2.2pp | 418.37%-435.5pp |
| Employer contribution / active EE | $2,874 | $5,224-45.0% | $4,232-32.1% | $4,742-39.4% |
| Participant deferral / active EE | $6,544 | $6,468+1.2% | $5,601+16.8% | $6,401+2.2% |
| Admin fee / account holder | $3,797 | $13,594-72.1% | $10,329-63.2% | $11,431-66.8% |