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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 | $94,997 | $140,578-32.4% | $100,671-5.6% | $125,389-24.2% |
| Participation rate | 91.3% | 80.4%+10.9pp | 70.7%+20.6pp | 83.2%+8.1pp |
| Annual return | -2.75% | 24.67%-27.4pp | 20.43%-23.2pp | 282.24%-285.0pp |
| Employer contribution / active EE | $7,710 | $5,965+29.3% | $4,012+92.2% | $4,866+58.5% |
| Participant deferral / active EE | $10,441 | $3,981+162.3% | $3,144+232.1% | $5,352+95.1% |
| Admin fee / account holder | $332 | $6,716-95.1% | $4,850-93.2% | $9,541-96.5% |