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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 | $137,877 | $167,362-17.6% | $143,799-4.1% | $134,532+2.5% |
| Participation rate | 87.5% | 84.8%+2.7pp | 80.3%+7.2pp | 81.2%+6.3pp |
| Annual return | -19.27% | 0.47%-19.7pp | -0.04%-19.2pp | 418.27%-437.5pp |
| Employer contribution / active EE | $2,265 | $5,620-59.7% | $4,952-54.3% | $4,741-52.2% |
| Participant deferral / active EE | $8,443 | $6,447+31.0% | $5,638+49.7% | $6,401+31.9% |
| Admin fee / account holder | $712 | $18,094-96.1% | $14,677-95.1% | $11,429-93.8% |