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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 | $158,305 | $167,362-5.4% | $143,799+10.1% | $134,532+17.7% |
| Participation rate | 88.2% | 84.8%+3.4pp | 80.3%+7.9pp | 81.2%+7.0pp |
| Annual return | -13.09% | 0.47%-13.6pp | -0.04%-13.0pp | 418.27%-431.4pp |
| Employer contribution / active EE | $4,954 | $5,620-11.9% | $4,9520% | $4,741+4.5% |
| Participant deferral / active EE | $4,188 | $6,447-35.0% | $5,638-25.7% | $6,401-34.6% |
| Admin fee / account holder | $3,797 | $18,094-79.0% | $14,677-74.1% | $11,429-66.8% |