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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 | $79,928 | $86,701-7.8% | $73,309+9.0% | $125,388-36.3% |
| Participation rate | 95.7% | 78.6%+17.0pp | 74.9%+20.7pp | 83.2%+12.5pp |
| Annual return | -0.26% | 2.78%-3.0pp | 5.67%-5.9pp | 282.24%-282.5pp |
| Employer contribution / active EE | $553 | $4,152-86.7% | $3,237-82.9% | $4,866-88.6% |
| Participant deferral / active EE | $4,628 | $5,549-16.6% | $4,991-7.3% | $5,352-13.5% |
| Admin fee / account holder | $2,269 | $7,768-70.8% | $5,635-59.7% | $9,541-76.2% |