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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 | $135,611 | $133,981+1.2% | $112,249+20.8% | $134,532+0.8% |
| Participation rate | 77.8% | 78.6%-0.8pp | 75.1%+2.7pp | 81.2%-3.5pp |
| Annual return | -16.85% | 47.16%-64.0pp | 27.48%-44.3pp | 418.27%-435.1pp |
| Employer contribution / active EE | $3,396 | $4,040-15.9% | $3,636-6.6% | $4,741-28.4% |
| Participant deferral / active EE | $6,617 | $5,292+25.0% | $4,729+39.9% | $6,401+3.4% |
| Admin fee / account holder | $937 | $7,492-87.5% | $6,412-85.4% | $11,429-91.8% |