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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 | $136,273 | $167,353-18.6% | $143,797-5.2% | $134,545+1.3% |
| Participation rate | 83.3% | 84.8%-1.5pp | 80.3%+3.0pp | 81.2%+2.1pp |
| Annual return | -12.11% | 0.48%-12.6pp | -0.04%-12.1pp | 418.37%-430.5pp |
| Employer contribution / active EE | $1,935 | $5,620-65.6% | $4,952-60.9% | $4,742-59.2% |
| Participant deferral / active EE | $3,908 | $6,447-39.4% | $5,638-30.7% | $6,401-39.0% |
| Admin fee / account holder | $816 | $18,096-95.5% | $14,679-94.4% | $11,431-92.9% |