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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 | $130,234 | $127,387+2.2% | $115,038+13.2% | $125,389+3.9% |
| Participation rate | 91.7% | 84.2%+7.5pp | 81.4%+10.3pp | 83.2%+8.5pp |
| Annual return | -0.63% | 31.28%-31.9pp | 26.14%-26.8pp | 282.24%-282.9pp |
| Employer contribution / active EE | $9,825 | $5,166+90.2% | $4,608+113.2% | $4,866+101.9% |
| Participant deferral / active EE | $4,254 | $6,423-33.8% | $6,026-29.4% | $5,352-20.5% |
| Admin fee / account holder | $3,442 | $9,516-63.8% | $8,175-57.9% | $9,541-63.9% |