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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 | $126,823 | $140,592-9.8% | $123,105+3.0% | $125,389+1.1% |
| Participation rate | 86.7% | 88.2%-1.5pp | 86.8%-0.1pp | 83.2%+3.5pp |
| Annual return | -3.44% | 16.80%-20.2pp | 13.22%-16.7pp | 282.24%-285.7pp |
| Employer contribution / active EE | $3,793 | $6,041-37.2% | $5,151-26.4% | $4,866-22.1% |
| Participant deferral / active EE | $8,462 | $6,980+21.2% | $6,229+35.8% | $5,352+58.1% |
| Admin fee / account holder | $1,528 | $11,198-86.4% | $9,014-83.0% | $9,541-84.0% |