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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 | $219,978 | $127,387+72.7% | $115,038+91.2% | $125,389+75.4% |
| Participation rate | 93.3% | 84.2%+9.2pp | 81.4%+12.0pp | 83.2%+10.1pp |
| Annual return | -1.06% | 31.28%-32.3pp | 26.14%-27.2pp | 282.24%-283.3pp |
| Employer contribution / active EE | $4,447 | $5,166-13.9% | $4,608-3.5% | $4,866-8.6% |
| Participant deferral / active EE | $6,429 | $6,423+0.1% | $6,026+6.7% | $5,352+20.1% |
| Admin fee / account holder | $368 | $9,516-96.1% | $8,175-95.5% | $9,541-96.1% |