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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 | $108,253 | $84,518+28.1% | $67,704+59.9% | $125,389-13.7% |
| Participation rate | 83.3% | 74.8%+8.5pp | 67.5%+15.8pp | 83.2%+0.1pp |
| Annual return | -0.53% | 2.57%-3.1pp | 25.41%-25.9pp | 282.24%-282.8pp |
| Employer contribution / active EE | $1,976 | $3,292-40.0% | $2,559-22.8% | $4,866-59.4% |
| Participant deferral / active EE | $4,206 | $4,430-5.1% | $3,585+17.3% | $5,352-21.4% |
| Admin fee / account holder | $4,538 | $5,340-15.0% | $4,255+6.6% | $9,541-52.4% |