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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 | $54,081 | $46,689+15.8% | $117,498-54.0% | $68,495-21.0% |
| Participation rate | 79.2% | 56.8%+22.5pp | 70.6%+8.6pp | 67.9%+11.4pp |
| Annual return | -15.87% | -14.52%-1.4pp | 29.75%-45.6pp | -7.84%-8.0pp |
| Employer contribution / active EE | $2,640 | $1,505+75.4% | $4,178-36.8% | $2,596+1.7% |
| Participant deferral / active EE | $4,330 | $2,637+64.2% | $4,071+6.4% | $4,028+7.5% |
| Admin fee / account holder | $3,591 | $4,021-10.7% | $5,646-36.4% | $5,403-33.5% |