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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 | $54,700 | $84,518-35.3% | $67,704-19.2% | $125,389-56.4% |
| Participation rate | 90.0% | 74.8%+15.2pp | 67.5%+22.5pp | 83.2%+6.8pp |
| Annual return | -2.51% | 2.57%-5.1pp | 25.41%-27.9pp | 282.24%-284.7pp |
| Employer contribution / active EE | $3,537 | $3,292+7.4% | $2,559+38.2% | $4,866-27.3% |
| Participant deferral / active EE | $6,082 | $4,430+37.3% | $3,585+69.6% | $5,352+13.6% |
| Admin fee / account holder | $1,098 | $5,340-79.4% | $4,255-74.2% | $9,541-88.5% |