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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 | $138,061 | $167,352-17.5% | $143,788-4.0% | $134,509+2.6% |
| Participation rate | 81.8% | 84.8%-3.0pp | 80.3%+1.5pp | 81.2%+0.6pp |
| Annual return | -17.28% | 0.47%-17.7pp | -0.03%-17.2pp | 418.13%-435.4pp |
| Employer contribution / active EE | $3,466 | $5,620-38.3% | $4,952-30.0% | $4,741-26.9% |
| Participant deferral / active EE | $17,015 | $6,447+163.9% | $5,638+201.8% | $6,400+165.9% |
| Admin fee / account holder | $3,163 | $18,091-82.5% | $14,675-78.4% | $11,427-72.3% |