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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 | $44,758 | $92,219-51.5% | $76,766-41.7% | $135,382-66.9% |
| Participation rate | 94.7% | 79.8%+15.0pp | 77.0%+17.8pp | 82.6%+12.1pp |
| Annual return | -6.45% | 5.46%-11.9pp | 2.43%-8.9pp | 519.77%-526.2pp |
| Employer contribution / active EE | $2,069 | $3,216-35.7% | $2,485-16.8% | $4,779-56.7% |
| Participant deferral / active EE | $6,410 | $4,508+42.2% | $3,851+66.4% | $5,609+14.3% |
| Admin fee / account holder | $5,010 | $10,749-53.4% | $6,675-24.9% | $10,829-53.7% |