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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 | $85,392 | $87,546-2.5% | $75,784+12.7% | $125,389-31.9% |
| Participation rate | 95.5% | 80.2%+15.3pp | 75.8%+19.6pp | 83.2%+12.3pp |
| Annual return | -0.38% | 13.49%-13.9pp | 9.68%-10.1pp | 282.24%-282.6pp |
| Employer contribution / active EE | $17,525 | $3,930+345.9% | $3,323+427.3% | $4,866+260.1% |
| Participant deferral / active EE | $2,710 | $4,230-35.9% | $3,652-25.8% | $5,352-49.4% |
| Admin fee / account holder | $15,353 | $6,503+136.1% | $5,300+189.7% | $9,541+60.9% |