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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 | $71,949 | $81,870-12.1% | $119,634-39.9% | $68,490+5.0% |
| Participation rate | 97.8% | 71.9%+25.9pp | 79.3%+18.5pp | 67.9%+29.9pp |
| Annual return | -17.11% | -23.82%+6.7pp | -14.98%-2.1pp | -7.85%-9.3pp |
| Employer contribution / active EE | $4,311 | $2,692+60.2% | $4,232+1.9% | $2,597+66.0% |
| Participant deferral / active EE | $12,047 | $4,148+190.4% | $5,601+115.1% | $4,028+199.1% |
| Admin fee / account holder | $3,192 | $6,583-51.5% | $10,329-69.1% | $5,403-40.9% |