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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 | $91,195 | $127,096-28.2% | $105,736-13.8% | $135,380-32.6% |
| Participation rate | 88.9% | 82.7%+6.2pp | 76.3%+12.6pp | 82.6%+6.2pp |
| Annual return | -6.77% | 4.49%-11.3pp | 6.27%-13.0pp | 519.81%-526.6pp |
| Employer contribution / active EE | $1,831 | $4,107-55.4% | $3,268-44.0% | $4,779-61.7% |
| Participant deferral / active EE | $3,046 | $5,064-39.9% | $4,080-25.3% | $5,609-45.7% |
| Admin fee / account holder | $10,155 | $9,087+11.8% | $6,913+46.9% | $10,828-6.2% |