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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 | $126,558 | $100,792+25.6% | $86,691+46.0% | $134,509-5.9% |
| Participation rate | 82.6% | 78.9%+3.7pp | 76.6%+6.0pp | 81.2%+1.4pp |
| Annual return | -14.92% | 29.08%-44.0pp | 35.94%-50.9pp | 418.13%-433.1pp |
| Employer contribution / active EE | $2,611 | $3,491-25.2% | $2,837-8.0% | $4,741-44.9% |
| Participant deferral / active EE | $5,789 | $5,339+8.4% | $4,656+24.3% | $6,400-9.6% |
| Admin fee / account holder | $4,038 | $10,924-63.0% | $7,492-46.1% | $11,427-64.7% |