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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 | $167,895 | $99,032+69.5% | $80,022+109.8% | $135,380+24.0% |
| Participation rate | 86.4% | 78.4%+8.0pp | 75.8%+10.5pp | 82.6%+3.7pp |
| Annual return | -3.84% | 15.39%-19.2pp | 11.22%-15.1pp | 519.81%-523.6pp |
| Employer contribution / active EE | $2,583 | $3,043-15.1% | $2,468+4.6% | $4,779-46.0% |
| Participant deferral / active EE | $6,255 | $4,282+46.1% | $3,686+69.7% | $5,609+11.5% |
| Admin fee / account holder | $1,009 | $10,436-90.3% | $6,521-84.5% | $10,828-90.7% |