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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 | $197,719 | $167,353+18.1% | $143,797+37.5% | $134,545+47.0% |
| Participation rate | 75.0% | 84.8%-9.8pp | 80.3%-5.3pp | 81.2%-6.2pp |
| Annual return | -17.01% | 0.48%-17.5pp | -0.04%-17.0pp | 418.37%-435.4pp |
| Employer contribution / active EE | $4,493 | $5,620-20.1% | $4,952-9.3% | $4,742-5.3% |
| Participant deferral / active EE | $5,187 | $6,447-19.6% | $5,638-8.0% | $6,401-19.0% |
| Admin fee / account holder | $785 | $18,096-95.7% | $14,679-94.7% | $11,431-93.1% |