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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 | $179,209 | $167,353+7.1% | $143,797+24.6% | $134,545+33.2% |
| Participation rate | 70.0% | 84.8%-14.8pp | 80.3%-10.3pp | 81.2%-11.2pp |
| Annual return | -18.27% | 0.48%-18.8pp | -0.04%-18.2pp | 418.37%-436.6pp |
| Employer contribution / active EE | $1,233 | $5,620-78.1% | $4,952-75.1% | $4,742-74.0% |
| Participant deferral / active EE | $7,629 | $6,447+18.3% | $5,638+35.3% | $6,401+19.2% |
| Admin fee / account holder | $1,598 | $18,096-91.2% | $14,679-89.1% | $11,431-86.0% |