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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 | $55,334 | $77,816-28.9% | $123,552-55.2% | $64,173-13.8% |
| Participation rate | 98.1% | 74.7%+23.4pp | 82.3%+15.8pp | 69.6%+28.5pp |
| Annual return | -4.12% | 12.49%-16.6pp | 119.20%-123.3pp | 7.63%-11.8pp |
| Employer contribution / active EE | $4,321 | $3,014+43.4% | $4,628-6.6% | $2,381+81.5% |
| Participant deferral / active EE | $4,228 | $5,240-19.3% | $6,426-34.2% | $3,470+21.9% |
| Admin fee / account holder | $1,845 | $5,519-66.6% | $9,285-80.1% | $4,887-62.2% |