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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 | $143,886 | $142,409+1.0% | $119,634+20.3% | $134,545+6.9% |
| Participation rate | 85.7% | 82.8%+2.9pp | 79.3%+6.4pp | 81.2%+4.5pp |
| Annual return | -18.27% | -12.46%-5.8pp | -14.98%-3.3pp | 418.37%-436.6pp |
| Employer contribution / active EE | $1,826 | $5,224-65.0% | $4,232-56.9% | $4,742-61.5% |
| Participant deferral / active EE | $6,156 | $6,468-4.8% | $5,601+9.9% | $6,401-3.8% |
| Admin fee / account holder | $3,216 | $13,594-76.3% | $10,329-68.9% | $11,431-71.9% |