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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 | $157,745 | $142,409+10.8% | $119,634+31.9% | $134,545+17.2% |
| Participation rate | 81.8% | 82.8%-1.0pp | 79.3%+2.6pp | 81.2%+0.6pp |
| Annual return | -6.03% | -12.46%+6.4pp | -14.98%+8.9pp | 418.37%-424.4pp |
| Employer contribution / active EE | $2,745 | $5,224-47.5% | $4,232-35.1% | $4,742-42.1% |
| Participant deferral / active EE | $7,622 | $6,468+17.8% | $5,601+36.1% | $6,401+19.1% |
| Admin fee / account holder | $10,528 | $13,594-22.6% | $10,329+1.9% | $11,431-7.9% |