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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 | $98,651 | $87,546+12.7% | $75,784+30.2% | $125,389-21.3% |
| Participation rate | 92.3% | 80.2%+12.1pp | 75.8%+16.5pp | 83.2%+9.1pp |
| Annual return | -1.40% | 13.49%-14.9pp | 9.68%-11.1pp | 282.24%-283.6pp |
| Employer contribution / active EE | $2,402 | $3,930-38.9% | $3,323-27.7% | $4,866-50.6% |
| Participant deferral / active EE | $3,401 | $4,230-19.6% | $3,652-6.9% | $5,352-36.4% |
| Admin fee / account holder | $6,623 | $6,503+1.8% | $5,300+25.0% | $9,541-30.6% |