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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 | $103,014 | $127,387-19.1% | $115,038-10.5% | $125,389-17.8% |
| Participation rate | 90.9% | 84.2%+6.8pp | 81.4%+9.5pp | 83.2%+7.7pp |
| Annual return | -1.07% | 31.28%-32.4pp | 26.14%-27.2pp | 282.24%-283.3pp |
| Employer contribution / active EE | $3,506 | $5,166-32.1% | $4,608-23.9% | $4,866-27.9% |
| Participant deferral / active EE | $5,952 | $6,423-7.3% | $6,026-1.2% | $5,352+11.2% |
| Admin fee / account holder | $732 | $9,516-92.3% | $8,175-91.0% | $9,541-92.3% |