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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 | $126,161 | $72,177+74.8% | $115,037+9.7% | $59,633+111.6% |
| Participation rate | 97.6% | 72.6%+25.0pp | 81.4%+16.2pp | 68.7%+28.9pp |
| Annual return | -0.13% | 12.02%-12.2pp | 26.14%-26.3pp | 2041.40%-2041.5pp |
| Employer contribution / active EE | $2,938 | $2,841+3.4% | $4,608-36.2% | $2,203+33.4% |
| Participant deferral / active EE | $7,097 | $4,783+48.4% | $6,026+17.8% | $3,192+122.4% |
| Admin fee / account holder | $2,163 | $4,927-56.1% | $8,175-73.5% | $4,297-49.7% |