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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 | $100,074 | $99,032+1.1% | $80,022+25.1% | $135,382-26.1% |
| Participation rate | 82.4% | 78.4%+4.0pp | 75.8%+6.5pp | 82.6%-0.3pp |
| Annual return | -3.22% | 15.39%-18.6pp | 11.22%-14.4pp | 519.77%-523.0pp |
| Employer contribution / active EE | $3,431 | $3,043+12.7% | $2,468+39.0% | $4,779-28.2% |
| Participant deferral / active EE | $9,412 | $4,282+119.8% | $3,686+155.4% | $5,609+67.8% |
| Admin fee / account holder | $563 | $10,436-94.6% | $6,521-91.4% | $10,829-94.8% |