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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 | $78,241 | $87,546-10.6% | $75,784+3.2% | $125,389-37.6% |
| Participation rate | 91.7% | 80.2%+11.5pp | 75.8%+15.8pp | 83.2%+8.5pp |
| Annual return | -3.05% | 13.49%-16.5pp | 9.68%-12.7pp | 282.24%-285.3pp |
| Employer contribution / active EE | $2,413 | $3,930-38.6% | $3,323-27.4% | $4,866-50.4% |
| Participant deferral / active EE | $6,003 | $4,230+41.9% | $3,652+64.4% | $5,352+12.2% |
| Admin fee / account holder | $5,018 | $6,503-22.8% | $5,300-5.3% | $9,541-47.4% |