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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 | $120,886 | $127,387-5.1% | $115,038+5.1% | $125,389-3.6% |
| Participation rate | 94.1% | 84.2%+10.0pp | 81.4%+12.8pp | 83.2%+10.9pp |
| Annual return | -0.19% | 31.28%-31.5pp | 26.14%-26.3pp | 282.24%-282.4pp |
| Employer contribution / active EE | $4,083 | $5,166-21.0% | $4,608-11.4% | $4,866-16.1% |
| Participant deferral / active EE | $7,636 | $6,423+18.9% | $6,026+26.7% | $5,352+42.7% |
| Admin fee / account holder | $2,009 | $9,516-78.9% | $8,175-75.4% | $9,541-78.9% |