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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 | $86,360 | $127,386-32.2% | $115,037-24.9% | $125,388-31.1% |
| Participation rate | 87.5% | 84.2%+3.3pp | 81.4%+6.1pp | 83.2%+4.3pp |
| Annual return | -0.02% | 31.28%-31.3pp | 26.14%-26.2pp | 282.24%-282.3pp |
| Employer contribution / active EE | $12,682 | $5,166+145.5% | $4,608+175.2% | $4,866+160.6% |
| Participant deferral / active EE | $9,538 | $6,423+48.5% | $6,026+58.3% | $5,352+78.2% |
| Admin fee / account holder | $1,844 | $9,516-80.6% | $8,175-77.4% | $9,541-80.7% |