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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 | $226,602 | $87,544+158.8% | $75,784+199.0% | $125,388+80.7% |
| Participation rate | 87.5% | 80.2%+7.3pp | 75.8%+11.7pp | 83.2%+4.3pp |
| Annual return | -1.11% | 13.49%-14.6pp | 9.68%-10.8pp | 282.24%-283.4pp |
| Employer contribution / active EE | $3,737 | $3,930-4.9% | $3,323+12.4% | $4,866-23.2% |
| Participant deferral / active EE | $13,727 | $4,229+224.5% | $3,652+275.9% | $5,352+156.5% |
| Admin fee / account holder | $4,455 | $6,502-31.5% | $5,300-15.9% | $9,541-53.3% |