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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 | $150,086 | $140,578+6.8% | $100,671+49.1% | $125,393+19.7% |
| Participation rate | 92.3% | 80.4%+11.9pp | 70.7%+21.6pp | 83.2%+9.1pp |
| Annual return | -2.52% | 24.67%-27.2pp | 20.43%-23.0pp | 282.23%-284.8pp |
| Employer contribution / active EE | $6,049 | $5,965+1.4% | $4,012+50.8% | $4,866+24.3% |
| Participant deferral / active EE | $5,498 | $3,981+38.1% | $3,144+74.9% | $5,351+2.7% |
| Admin fee / account holder | $3,553 | $6,716-47.1% | $4,850-26.7% | $9,541-62.8% |