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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 | $102,628 | $113,941-9.9% | $94,228+8.9% | $125,388-18.2% |
| Participation rate | 93.3% | 82.9%+10.4pp | 78.8%+14.6pp | 83.2%+10.1pp |
| Annual return | -0.40% | 5.29%-5.7pp | 10.68%-11.1pp | 282.24%-282.6pp |
| Employer contribution / active EE | $3,687 | $4,727-22.0% | $3,587+2.8% | $4,866-24.2% |
| Participant deferral / active EE | $8,269 | $5,179+59.7% | $4,320+91.4% | $5,352+54.5% |
| Admin fee / account holder | $14,750 | $8,392+75.8% | $6,269+135.3% | $9,541+54.6% |