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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 | $106,494 | $83,908+26.9% | $68,509+55.4% | $125,393-15.1% |
| Participation rate | 90.0% | 78.2%+11.8pp | 74.7%+15.3pp | 83.2%+6.8pp |
| Annual return | -3.42% | 14.48%-17.9pp | 8.27%-11.7pp | 282.23%-285.6pp |
| Employer contribution / active EE | $3,947 | $3,031+30.2% | $2,278+73.3% | $4,866-18.9% |
| Participant deferral / active EE | $6,419 | $4,125+55.6% | $3,382+89.8% | $5,351+19.9% |
| Admin fee / account holder | $21,816 | $8,982+142.9% | $5,275+313.6% | $9,541+128.7% |