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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 | $148,266 | $142,392+4.1% | $119,622+23.9% | $134,532+10.2% |
| Participation rate | 80.0% | 82.8%-2.8pp | 79.3%+0.7pp | 81.2%-1.2pp |
| Annual return | -15.29% | -12.46%-2.8pp | -14.98%-0.3pp | 418.27%-433.6pp |
| Employer contribution / active EE | $1,649 | $5,224-68.4% | $4,232-61.0% | $4,741-65.2% |
| Participant deferral / active EE | $3,249 | $6,467-49.8% | $5,601-42.0% | $6,401-49.2% |
| Admin fee / account holder | $2,126 | $13,593-84.4% | $10,328-79.4% | $11,429-81.4% |