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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 | $150,679 | $127,387+18.3% | $115,038+31.0% | $125,389+20.2% |
| Participation rate | 100.0% | 84.2%+15.8pp | 81.4%+18.6pp | 83.2%+16.8pp |
| Annual return | -1.96% | 31.28%-33.2pp | 26.14%-28.1pp | 282.24%-284.2pp |
| Employer contribution / active EE | $4,422 | $5,166-14.4% | $4,608-4.0% | $4,866-9.1% |
| Participant deferral / active EE | $7,817 | $6,423+21.7% | $6,026+29.7% | $5,352+46.1% |
| Admin fee / account holder | $1,342 | $9,516-85.9% | $8,175-83.6% | $9,541-85.9% |