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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 | $137,342 | $167,352-17.9% | $143,788-4.5% | $134,509+2.1% |
| Participation rate | 71.4% | 84.8%-13.4pp | 80.3%-8.9pp | 81.2%-9.8pp |
| Annual return | -19.47% | 0.47%-19.9pp | -0.03%-19.4pp | 418.13%-437.6pp |
| Employer contribution / active EE | $2,513 | $5,620-55.3% | $4,952-49.2% | $4,741-47.0% |
| Participant deferral / active EE | $8,133 | $6,447+26.2% | $5,638+44.3% | $6,400+27.1% |
| Admin fee / account holder | $946 | $18,091-94.8% | $14,675-93.6% | $11,427-91.7% |