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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 | $110,434 | $127,387-13.3% | $115,038-4.0% | $125,389-11.9% |
| Participation rate | 87.5% | 84.2%+3.3pp | 81.4%+6.1pp | 83.2%+4.3pp |
| Annual return | -1.35% | 31.28%-32.6pp | 26.14%-27.5pp | 282.24%-283.6pp |
| Employer contribution / active EE | $4,093 | $5,166-20.8% | $4,608-11.2% | $4,866-15.9% |
| Participant deferral / active EE | $7,392 | $6,423+15.1% | $6,026+22.7% | $5,352+38.1% |
| Admin fee / account holder | $4,243 | $9,516-55.4% | $8,175-48.1% | $9,541-55.5% |