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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 | $157,672 | $100,811+56.4% | $86,698+81.9% | $134,545+17.2% |
| Participation rate | 90.5% | 79.0%+11.5pp | 76.6%+13.9pp | 81.2%+9.2pp |
| Annual return | -11.07% | 29.11%-40.2pp | 35.96%-47.0pp | 418.37%-429.4pp |
| Employer contribution / active EE | $3,113 | $3,490-10.8% | $2,837+9.7% | $4,742-34.4% |
| Participant deferral / active EE | $9,076 | $5,339+70.0% | $4,656+94.9% | $6,401+41.8% |
| Admin fee / account holder | $2,165 | $10,926-80.2% | $7,492-71.1% | $11,431-81.1% |