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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 | $139,873 | $73,863+89.4% | $143,797-2.7% | $68,490+104.2% |
| Participation rate | 77.1% | 66.7%+10.5pp | 80.3%-3.2pp | 67.9%+9.2pp |
| Annual return | -12.63% | 0.91%-13.5pp | -0.04%-12.6pp | -7.85%-4.8pp |
| Employer contribution / active EE | $2,308 | $3,185-27.5% | $4,952-53.4% | $2,597-11.1% |
| Participant deferral / active EE | $9,191 | $3,385+171.5% | $5,638+63.0% | $4,028+128.2% |
| Admin fee / account holder | $2,016 | $5,756-65.0% | $14,679-86.3% | $5,403-62.7% |