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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 | $221,484 | $167,352+32.3% | $143,788+54.0% | $134,509+64.7% |
| Participation rate | 81.3% | 84.8%-3.6pp | 80.3%+0.9pp | 81.2%0pp |
| Annual return | -13.66% | 0.47%-14.1pp | -0.03%-13.6pp | 418.13%-431.8pp |
| Employer contribution / active EE | $3,681 | $5,620-34.5% | $4,952-25.7% | $4,741-22.4% |
| Participant deferral / active EE | $5,980 | $6,447-7.2% | $5,638+6.1% | $6,400-6.6% |
| Admin fee / account holder | $398 | $18,091-97.8% | $14,675-97.3% | $11,427-96.5% |