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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 | $96,587 | $97,020-0.4% | $83,327+15.9% | $135,380-28.7% |
| Participation rate | 88.2% | 80.4%+7.8pp | 77.8%+10.5pp | 82.6%+5.6pp |
| Annual return | -6.30% | 12.31%-18.6pp | 10.64%-16.9pp | 519.81%-526.1pp |
| Employer contribution / active EE | $915 | $4,144-77.9% | $3,379-72.9% | $4,779-80.9% |
| Participant deferral / active EE | $5,582 | $5,964-6.4% | $5,565+0.3% | $5,609-0.5% |
| Admin fee / account holder | $4,766 | $8,426-43.4% | $7,540-36.8% | $10,828-56.0% |