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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 | $133,536 | $87,546+52.5% | $75,784+76.2% | $125,389+6.5% |
| Participation rate | 90.0% | 80.2%+9.8pp | 75.8%+14.2pp | 83.2%+6.8pp |
| Annual return | -0.26% | 13.49%-13.7pp | 9.68%-9.9pp | 282.24%-282.5pp |
| Employer contribution / active EE | $1,003 | $3,930-74.5% | $3,323-69.8% | $4,866-79.4% |
| Participant deferral / active EE | $4,986 | $4,230+17.9% | $3,652+36.5% | $5,352-6.8% |
| Admin fee / account holder | $4,444 | $6,503-31.7% | $5,300-16.2% | $9,541-53.4% |