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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 | $95,340 | $127,387-25.2% | $115,038-17.1% | $125,389-24.0% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -0.21% | 31.28%-31.5pp | 26.14%-26.3pp | 282.24%-282.4pp |
| Employer contribution / active EE | $2,457 | $5,166-52.4% | $4,608-46.7% | $4,866-49.5% |
| Participant deferral / active EE | $10,686 | $6,423+66.4% | $6,026+77.3% | $5,352+99.7% |
| Admin fee / account holder | $2,996 | $9,516-68.5% | $8,175-63.4% | $9,541-68.6% |