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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 | $128,652 | $113,941+12.9% | $94,229+36.5% | $125,389+2.6% |
| Participation rate | 93.3% | 82.9%+10.4pp | 78.8%+14.6pp | 83.2%+10.1pp |
| Annual return | -1.28% | 5.29%-6.6pp | 10.68%-12.0pp | 282.24%-283.5pp |
| Employer contribution / active EE | $7,658 | $4,727+62.0% | $3,587+113.5% | $4,866+57.4% |
| Participant deferral / active EE | $1,815 | $5,179-65.0% | $4,320-58.0% | $5,352-66.1% |
| Admin fee / account holder | $637 | $8,392-92.4% | $6,269-89.8% | $9,541-93.3% |