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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 | $100,047 | $127,387-21.5% | $115,038-13.0% | $125,389-20.2% |
| Participation rate | 95.8% | 84.2%+11.7pp | 81.4%+14.5pp | 83.2%+12.6pp |
| Annual return | -1.60% | 31.28%-32.9pp | 26.14%-27.7pp | 282.24%-283.8pp |
| Employer contribution / active EE | $4,053 | $5,166-21.5% | $4,608-12.0% | $4,866-16.7% |
| Participant deferral / active EE | $5,198 | $6,423-19.1% | $6,026-13.8% | $5,352-2.9% |
| Admin fee / account holder | $391 | $9,516-95.9% | $8,175-95.2% | $9,541-95.9% |