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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 | $57,545 | $84,518-31.9% | $67,704-15.0% | $125,389-54.1% |
| Participation rate | 93.3% | 74.8%+18.5pp | 67.5%+25.8pp | 83.2%+10.1pp |
| Annual return | -1.90% | 2.57%-4.5pp | 25.41%-27.3pp | 282.24%-284.1pp |
| Employer contribution / active EE | $1,480 | $3,292-55.0% | $2,559-42.2% | $4,866-69.6% |
| Participant deferral / active EE | $3,397 | $4,430-23.3% | $3,585-5.3% | $5,352-36.5% |
| Admin fee / account holder | $3,147 | $5,340-41.1% | $4,255-26.0% | $9,541-67.0% |