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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 | $45,322 | $72,177-37.2% | $115,038-60.6% | $59,633-24.0% |
| Participation rate | 80.6% | 72.6%+8.0pp | 81.4%-0.8pp | 68.7%+11.9pp |
| Annual return | -1.52% | 12.02%-13.5pp | 26.14%-27.7pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $3,316 | $2,841+16.7% | $4,608-28.0% | $2,203+50.6% |
| Participant deferral / active EE | $6,486 | $4,783+35.6% | $6,026+7.6% | $3,192+103.2% |
| Admin fee / account holder | $3,549 | $4,927-28.0% | $8,175-56.6% | $4,297-17.4% |