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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 | $131,526 | $127,387+3.2% | $115,038+14.3% | $125,389+4.9% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -1.99% | 31.28%-33.3pp | 26.14%-28.1pp | 282.24%-284.2pp |
| Employer contribution / active EE | $3,989 | $5,166-22.8% | $4,608-13.4% | $4,866-18.0% |
| Participant deferral / active EE | $8,927 | $6,423+39.0% | $6,026+48.1% | $5,352+66.8% |
| Admin fee / account holder | $3,777 | $9,516-60.3% | $8,175-53.8% | $9,541-60.4% |