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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 | $148,589 | $131,835+12.7% | $108,582+36.8% | $273,972-45.8% |
| Participation rate | 88.9% | 83.5%+5.4pp | 79.6%+9.3pp | 83.0%+5.9pp |
| Annual return | 0.00% | -91.57%+91.6pp | -51.70%+51.7pp | 41.46%-41.5pp |
| Employer contribution / active EE | $3,337 | $4,913-32.1% | $3,758-11.2% | $4,869-31.5% |
| Participant deferral / active EE | $4,865 | $5,127-5.1% | $4,311+12.9% | $5,287-8.0% |
| Admin fee / account holder | $329 | $10,253-96.8% | $7,645-95.7% | $10,133-96.8% |