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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 | $129,619 | $167,353-22.5% | $143,797-9.9% | $134,545-3.7% |
| Participation rate | 87.5% | 84.8%+2.7pp | 80.3%+7.2pp | 81.2%+6.3pp |
| Annual return | -13.08% | 0.48%-13.6pp | -0.04%-13.0pp | 418.37%-431.4pp |
| Employer contribution / active EE | $4,772 | $5,620-15.1% | $4,952-3.6% | $4,742+0.6% |
| Participant deferral / active EE | $5,106 | $6,447-20.8% | $5,638-9.4% | $6,401-20.2% |
| Admin fee / account holder | $8,844 | $18,096-51.1% | $14,679-39.8% | $11,431-22.6% |