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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 | $126,351 | $83,908+50.6% | $68,509+84.4% | $125,388+0.8% |
| Participation rate | 80.0% | 78.2%+1.8pp | 74.7%+5.3pp | 83.2%-3.2pp |
| Annual return | -0.69% | 14.48%-15.2pp | 8.27%-9.0pp | 282.24%-282.9pp |
| Employer contribution / active EE | $3,150 | $3,031+3.9% | $2,278+38.3% | $4,866-35.3% |
| Participant deferral / active EE | $6,109 | $4,125+48.1% | $3,382+80.6% | $5,352+14.2% |
| Admin fee / account holder | $625 | $8,982-93.0% | $5,275-88.2% | $9,541-93.5% |