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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 | $42,358 | $72,177-41.3% | $115,038-63.2% | $59,633-29.0% |
| Participation rate | 86.2% | 72.6%+13.7pp | 81.4%+4.8pp | 68.7%+17.5pp |
| Annual return | -2.12% | 12.02%-14.1pp | 26.14%-28.3pp | 2041.45%-2043.6pp |
| Employer contribution / active EE | $2,428 | $2,841-14.6% | $4,608-47.3% | $2,203+10.2% |
| Participant deferral / active EE | $5,968 | $4,783+24.8% | $6,026-1.0% | $3,192+87.0% |
| Admin fee / account holder | $2,893 | $4,927-41.3% | $8,175-64.6% | $4,297-32.7% |