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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 | $110,923 | $84,518+31.2% | $67,704+63.8% | $125,389-11.5% |
| Participation rate | 81.3% | 74.8%+6.5pp | 67.5%+13.7pp | 83.2%-1.9pp |
| Annual return | -2.23% | 2.57%-4.8pp | 25.41%-27.6pp | 282.24%-284.5pp |
| Employer contribution / active EE | $2,956 | $3,292-10.2% | $2,559+15.5% | $4,866-39.3% |
| Participant deferral / active EE | $5,200 | $4,430+17.4% | $3,585+45.0% | $5,352-2.8% |
| Admin fee / account holder | $344 | $5,340-93.6% | $4,255-91.9% | $9,541-96.4% |