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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 | $149,751 | $85,790+74.6% | $67,313+122.5% | $135,380+10.6% |
| Participation rate | 73.7% | 76.5%-2.8pp | 69.1%+4.6pp | 82.6%-9.0pp |
| Annual return | -7.42% | -0.54%-6.9pp | -4.08%-3.3pp | 519.81%-527.2pp |
| Employer contribution / active EE | $2,621 | $3,487-24.9% | $2,566+2.1% | $4,779-45.2% |
| Participant deferral / active EE | $5,476 | $4,651+17.7% | $3,568+53.5% | $5,609-2.4% |
| Admin fee / account holder | $3,220 | $6,392-49.6% | $4,507-28.5% | $10,828-70.3% |