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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 | $118,745 | $127,386-6.8% | $115,037+3.2% | $125,388-5.3% |
| Participation rate | 87.5% | 84.2%+3.3pp | 81.4%+6.1pp | 83.2%+4.3pp |
| Annual return | -2.58% | 31.28%-33.9pp | 26.14%-28.7pp | 282.24%-284.8pp |
| Employer contribution / active EE | $4,339 | $5,166-16.0% | $4,608-5.8% | $4,866-10.8% |
| Participant deferral / active EE | $8,402 | $6,423+30.8% | $6,026+39.4% | $5,352+57.0% |
| Admin fee / account holder | $537 | $9,516-94.4% | $8,175-93.4% | $9,541-94.4% |