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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 | $191,287 | $113,941+67.9% | $94,229+103.0% | $125,389+52.6% |
| Participation rate | 83.3% | 82.9%+0.4pp | 78.8%+4.6pp | 83.2%+0.1pp |
| Annual return | -2.61% | 5.29%-7.9pp | 10.68%-13.3pp | 282.24%-284.8pp |
| Employer contribution / active EE | $6,379 | $4,727+34.9% | $3,587+77.8% | $4,866+31.1% |
| Participant deferral / active EE | $4,552 | $5,179-12.1% | $4,320+5.4% | $5,352-14.9% |
| Admin fee / account holder | $383 | $8,392-95.4% | $6,269-93.9% | $9,541-96.0% |