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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 | $226,508 | $167,362+35.3% | $143,799+57.5% | $134,532+68.4% |
| Participation rate | 92.3% | 84.8%+7.5pp | 80.3%+12.0pp | 81.2%+11.1pp |
| Annual return | -16.78% | 0.47%-17.3pp | -0.04%-16.7pp | 418.27%-435.0pp |
| Employer contribution / active EE | $4,489 | $5,620-20.1% | $4,952-9.4% | $4,741-5.3% |
| Participant deferral / active EE | $8,777 | $6,447+36.1% | $5,638+55.7% | $6,401+37.1% |
| Admin fee / account holder | $12,114 | $18,094-33.0% | $14,677-17.5% | $11,429+6.0% |