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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 | $206,806 | $167,353+23.6% | $143,797+43.8% | $134,545+53.7% |
| Participation rate | 90.0% | 84.8%+5.2pp | 80.3%+9.7pp | 81.2%+8.8pp |
| Annual return | -19.38% | 0.48%-19.9pp | -0.04%-19.3pp | 418.37%-437.7pp |
| Employer contribution / active EE | $3,163 | $5,620-43.7% | $4,952-36.1% | $4,742-33.3% |
| Participant deferral / active EE | $3,726 | $6,447-42.2% | $5,638-33.9% | $6,401-41.8% |
| Admin fee / account holder | $3,699 | $18,096-79.6% | $14,679-74.8% | $11,431-67.6% |