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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 | $56,608 | $72,177-21.6% | $115,037-50.8% | $59,633-5.1% |
| Participation rate | 77.8% | 72.6%+5.2pp | 81.4%-3.6pp | 68.7%+9.1pp |
| Annual return | -0.52% | 12.02%-12.5pp | 26.14%-26.7pp | 2041.40%-2041.9pp |
| Employer contribution / active EE | $1,346 | $2,841-52.6% | $4,608-70.8% | $2,203-38.9% |
| Participant deferral / active EE | $5,550 | $4,783+16.0% | $6,026-7.9% | $3,192+73.9% |
| Admin fee / account holder | $3,014 | $4,927-38.8% | $8,175-63.1% | $4,297-29.9% |