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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 | $77,960 | $71,878+8.5% | $86,698-10.1% | $68,486+13.8% |
| Participation rate | 93.5% | 72.2%+21.3pp | 76.6%+17.0pp | 67.9%+25.7pp |
| Annual return | -15.49% | 3.53%-19.0pp | 35.95%-51.4pp | -7.85%-7.6pp |
| Employer contribution / active EE | $5,229 | $2,173+140.6% | $2,837+84.3% | $2,597+101.4% |
| Participant deferral / active EE | $5,257 | $3,779+39.1% | $4,656+12.9% | $4,028+30.5% |
| Admin fee / account holder | $705 | $6,113-88.5% | $7,493-90.6% | $5,404-87.0% |