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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 | $45,778 | $49,280-7.1% | $67,313-32.0% | $64,181-28.7% |
| Participation rate | 97.8% | 60.8%+37.0pp | 69.1%+28.7pp | 69.6%+28.3pp |
| Annual return | -5.12% | -1.39%-3.7pp | -4.08%-1.0pp | 7.63%-12.8pp |
| Employer contribution / active EE | $409 | $1,668-75.5% | $2,566-84.1% | $2,381-82.8% |
| Participant deferral / active EE | $4,344 | $2,484+74.9% | $3,568+21.8% | $3,470+25.2% |
| Admin fee / account holder | $614 | $3,863-84.1% | $4,507-86.4% | $4,887-87.4% |