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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 | $88,922 | $92,219-3.6% | $76,767+15.8% | $135,380-34.3% |
| Participation rate | 91.3% | 79.8%+11.5pp | 77.0%+14.3pp | 82.6%+8.7pp |
| Annual return | -5.27% | 5.46%-10.7pp | 2.43%-7.7pp | 519.81%-525.1pp |
| Employer contribution / active EE | $3,786 | $3,216+17.7% | $2,485+52.3% | $4,779-20.8% |
| Participant deferral / active EE | $4,363 | $4,508-3.2% | $3,852+13.3% | $5,609-22.2% |
| Admin fee / account holder | $1,714 | $10,749-84.1% | $6,675-74.3% | $10,828-84.2% |