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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 | $111,965 | $99,032+13.1% | $80,022+39.9% | $135,379-17.3% |
| Participation rate | 85.7% | 78.4%+7.4pp | 75.8%+9.9pp | 82.6%+3.1pp |
| Annual return | -7.29% | 15.39%-22.7pp | 11.22%-18.5pp | 519.79%-527.1pp |
| Employer contribution / active EE | $5,344 | $3,043+75.6% | $2,468+116.5% | $4,779+11.8% |
| Participant deferral / active EE | $5,826 | $4,282+36.0% | $3,686+58.1% | $5,609+3.9% |
| Admin fee / account holder | $321 | $10,436-96.9% | $6,521-95.1% | $10,828-97.0% |