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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 | $102,022 | $127,387-19.9% | $115,038-11.3% | $125,389-18.6% |
| Participation rate | 83.3% | 84.2%-0.8pp | 81.4%+2.0pp | 83.2%+0.1pp |
| Annual return | -3.29% | 31.28%-34.6pp | 26.14%-29.4pp | 282.24%-285.5pp |
| Employer contribution / active EE | $3,326 | $5,166-35.6% | $4,608-27.8% | $4,866-31.6% |
| Participant deferral / active EE | $14,221 | $6,423+121.4% | $6,026+136.0% | $5,352+165.7% |
| Admin fee / account holder | $3,000 | $9,516-68.5% | $8,175-63.3% | $9,541-68.6% |