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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 | $61,278 | $71,878-14.7% | $86,698-29.3% | $68,486-10.5% |
| Participation rate | 80.8% | 72.2%+8.5pp | 76.6%+4.2pp | 67.9%+12.9pp |
| Annual return | -15.73% | 3.53%-19.3pp | 35.95%-51.7pp | -7.85%-7.9pp |
| Employer contribution / active EE | $1,480 | $2,173-31.9% | $2,837-47.8% | $2,597-43.0% |
| Participant deferral / active EE | $3,652 | $3,779-3.3% | $4,656-21.6% | $4,028-9.3% |
| Admin fee / account holder | $1,927 | $6,113-68.5% | $7,493-74.3% | $5,404-64.3% |