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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 | $45,025 | $83,908-46.3% | $68,509-34.3% | $125,389-64.1% |
| Participation rate | 95.7% | 78.2%+17.5pp | 74.7%+20.9pp | 83.2%+12.5pp |
| Annual return | -2.79% | 14.48%-17.3pp | 8.27%-11.1pp | 282.24%-285.0pp |
| Employer contribution / active EE | $3,315 | $3,031+9.4% | $2,278+45.5% | $4,866-31.9% |
| Participant deferral / active EE | $3,242 | $4,125-21.4% | $3,382-4.2% | $5,352-39.4% |
| Admin fee / account holder | $1,674 | $8,982-81.4% | $5,275-68.3% | $9,541-82.5% |