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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 | $86,962 | $87,544-0.7% | $75,784+14.8% | $125,388-30.6% |
| Participation rate | 88.9% | 80.2%+8.7pp | 75.8%+13.1pp | 83.2%+5.7pp |
| Annual return | -0.19% | 13.49%-13.7pp | 9.68%-9.9pp | 282.24%-282.4pp |
| Employer contribution / active EE | $3,192 | $3,930-18.8% | $3,323-4.0% | $4,866-34.4% |
| Participant deferral / active EE | $8,059 | $4,229+90.5% | $3,652+120.7% | $5,352+50.6% |
| Admin fee / account holder | $7,352 | $6,502+13.1% | $5,300+38.7% | $9,541-22.9% |