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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 | $138,478 | $127,386+8.7% | $115,037+20.4% | $125,388+10.4% |
| Participation rate | 94.4% | 84.2%+10.3pp | 81.4%+13.1pp | 83.2%+11.3pp |
| Annual return | -1.36% | 31.28%-32.6pp | 26.14%-27.5pp | 282.24%-283.6pp |
| Employer contribution / active EE | $2,295 | $5,166-55.6% | $4,608-50.2% | $4,866-52.8% |
| Participant deferral / active EE | $6,054 | $6,423-5.8% | $6,026+0.5% | $5,352+13.1% |
| Admin fee / account holder | $18,151 | $9,516+90.7% | $8,175+122.0% | $9,541+90.3% |