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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 | $141,260 | $211,946-33.4% | $169,452-16.6% | $135,379+4.3% |
| Participation rate | 93.8% | 82.6%+11.1pp | 77.8%+16.0pp | 82.6%+11.1pp |
| Annual return | -7.29% | 3.26%-10.6pp | 1.83%-9.1pp | 519.79%-527.1pp |
| Employer contribution / active EE | $5,160 | $5,117+0.8% | $4,157+24.1% | $4,779+8.0% |
| Participant deferral / active EE | $13,062 | $6,075+115.0% | $5,277+147.5% | $5,609+132.9% |
| Admin fee / account holder | $7,337 | $11,472-36.0% | $9,110-19.5% | $10,828-32.2% |