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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 | $120,580 | $127,387-5.3% | $115,038+4.8% | $125,389-3.8% |
| Participation rate | 90.0% | 84.2%+5.8pp | 81.4%+8.6pp | 83.2%+6.8pp |
| Annual return | -3.39% | 31.28%-34.7pp | 26.14%-29.5pp | 282.24%-285.6pp |
| Employer contribution / active EE | $4,376 | $5,166-15.3% | $4,608-5.0% | $4,866-10.1% |
| Participant deferral / active EE | $7,968 | $6,423+24.1% | $6,026+32.2% | $5,352+48.9% |
| Admin fee / account holder | $5,128 | $9,516-46.1% | $8,175-37.3% | $9,541-46.3% |