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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 | $93,199 | $127,387-26.8% | $115,038-19.0% | $125,389-25.7% |
| Participation rate | 90.0% | 84.2%+5.8pp | 81.4%+8.6pp | 83.2%+6.8pp |
| Annual return | -2.25% | 31.28%-33.5pp | 26.14%-28.4pp | 282.24%-284.5pp |
| Employer contribution / active EE | $5,096 | $5,166-1.4% | $4,608+10.6% | $4,866+4.7% |
| Participant deferral / active EE | $6,991 | $6,423+8.8% | $6,026+16.0% | $5,352+30.6% |
| Admin fee / account holder | $443 | $9,516-95.3% | $8,175-94.6% | $9,541-95.4% |