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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 | $121,254 | $105,866+14.5% | $90,766+33.6% | $134,545-9.9% |
| Participation rate | 91.3% | 78.3%+13.0pp | 75.7%+15.6pp | 81.2%+10.1pp |
| Annual return | -14.01% | -10.99%-3.0pp | -12.16%-1.9pp | 418.37%-432.4pp |
| Employer contribution / active EE | $6,522 | $3,464+88.3% | $2,922+123.2% | $4,742+37.5% |
| Participant deferral / active EE | $4,702 | $5,217-9.9% | $4,565+3.0% | $6,401-26.5% |
| Admin fee / account holder | $25,269 | $13,938+81.3% | $8,446+199.2% | $11,431+121.1% |