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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 | $34,730 | $87,546-60.3% | $75,784-54.2% | $125,389-72.3% |
| Participation rate | 90.0% | 80.2%+9.8pp | 75.8%+14.2pp | 83.2%+6.8pp |
| Annual return | -3.14% | 13.49%-16.6pp | 9.68%-12.8pp | 282.24%-285.4pp |
| Employer contribution / active EE | $3,666 | $3,930-6.7% | $3,323+10.3% | $4,866-24.7% |
| Participant deferral / active EE | $6,883 | $4,230+62.7% | $3,652+88.5% | $5,352+28.6% |
| Admin fee / account holder | $1,228 | $6,503-81.1% | $5,300-76.8% | $9,541-87.1% |