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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 | $115,473 | $83,908+37.6% | $68,509+68.6% | $125,389-7.9% |
| Participation rate | 95.8% | 78.2%+17.7pp | 74.7%+21.1pp | 83.2%+12.6pp |
| Annual return | -2.30% | 14.48%-16.8pp | 8.27%-10.6pp | 282.24%-284.5pp |
| Employer contribution / active EE | $7,202 | $3,031+137.6% | $2,278+216.2% | $4,866+48.0% |
| Participant deferral / active EE | $6,040 | $4,125+46.4% | $3,382+78.6% | $5,352+12.9% |
| Admin fee / account holder | $2,753 | $8,982-69.3% | $5,275-47.8% | $9,541-71.1% |