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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 | $47,069 | $72,177-34.8% | $115,037-59.1% | $59,632-21.1% |
| Participation rate | 93.5% | 72.6%+21.0pp | 81.4%+12.2pp | 68.7%+24.9pp |
| Annual return | -2.37% | 12.02%-14.4pp | 26.14%-28.5pp | 2041.32%-2043.7pp |
| Employer contribution / active EE | $5,839 | $2,841+105.5% | $4,608+26.7% | $2,203+165.1% |
| Participant deferral / active EE | $5,472 | $4,783+14.4% | $6,026-9.2% | $3,192+71.5% |
| Admin fee / account holder | $1,006 | $4,927-79.6% | $8,175-87.7% | $4,297-76.6% |