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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 | $88,492 | $167,533-47.2% | $151,645-41.6% | $134,545-34.2% |
| Participation rate | 88.9% | 88.4%+0.5pp | 87.5%+1.4pp | 81.2%+7.7pp |
| Annual return | -18.55% | 7.81%-26.4pp | 3.34%-21.9pp | 418.37%-436.9pp |
| Employer contribution / active EE | $3,429 | $6,828-49.8% | $6,165-44.4% | $4,742-27.7% |
| Participant deferral / active EE | $4,884 | $8,985-45.6% | $8,363-41.6% | $6,401-23.7% |
| Admin fee / account holder | $13,458 | $13,781-2.3% | $11,614+15.9% | $11,431+17.7% |