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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 | $143,264 | $158,852-9.8% | $121,220+18.2% | $135,380+5.8% |
| Participation rate | 75.0% | 79.3%-4.3pp | 71.8%+3.2pp | 82.6%-7.6pp |
| Annual return | -7.64% | -0.64%-7.0pp | 16.94%-24.6pp | 519.81%-527.4pp |
| Employer contribution / active EE | $4,727 | $5,666-16.6% | $4,023+17.5% | $4,779-1.1% |
| Participant deferral / active EE | $5,772 | $4,006+44.1% | $3,345+72.5% | $5,609+2.9% |
| Admin fee / account holder | $5,644 | $6,515-13.4% | $5,021+12.4% | $10,828-47.9% |