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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 | $65,989 | $72,177-8.6% | $115,038-42.6% | $59,633+10.7% |
| Participation rate | 93.3% | 72.6%+20.8pp | 81.4%+12.0pp | 68.7%+24.7pp |
| Annual return | -0.16% | 12.02%-12.2pp | 26.14%-26.3pp | 2041.45%-2041.6pp |
| Employer contribution / active EE | $3,981 | $2,841+40.1% | $4,608-13.6% | $2,203+80.7% |
| Participant deferral / active EE | $8,888 | $4,783+85.8% | $6,026+47.5% | $3,192+178.5% |
| Admin fee / account holder | $4,293 | $4,927-12.9% | $8,175-47.5% | $4,297-0.1% |