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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 | $159,312 | $211,946-24.8% | $169,452-6.0% | $135,380+17.7% |
| Participation rate | 83.3% | 82.6%+0.7pp | 77.8%+5.6pp | 82.6%+0.7pp |
| Annual return | -8.38% | 3.26%-11.6pp | 1.83%-10.2pp | 519.81%-528.2pp |
| Employer contribution / active EE | $4,067 | $5,117-20.5% | $4,157-2.2% | $4,779-14.9% |
| Participant deferral / active EE | $7,837 | $6,075+29.0% | $5,277+48.5% | $5,609+39.7% |
| Admin fee / account holder | $5,869 | $11,472-48.8% | $9,110-35.6% | $10,828-45.8% |