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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 | $133,044 | $127,100+4.7% | $105,738+25.8% | $135,382-1.7% |
| Participation rate | 94.4% | 82.7%+11.7pp | 76.3%+18.1pp | 82.6%+11.8pp |
| Annual return | -3.87% | 4.49%-8.4pp | 6.27%-10.1pp | 519.77%-523.6pp |
| Employer contribution / active EE | $2,768 | $4,107-32.6% | $3,268-15.3% | $4,779-42.1% |
| Participant deferral / active EE | $3,981 | $5,064-21.4% | $4,080-2.4% | $5,609-29.0% |
| Admin fee / account holder | $1,532 | $9,087-83.1% | $6,913-77.8% | $10,829-85.9% |