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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 | $44,101 | $46,689-5.5% | $117,498-62.5% | $68,495-35.6% |
| Participation rate | 92.3% | 56.8%+35.5pp | 70.6%+21.7pp | 67.9%+24.4pp |
| Annual return | -13.80% | -14.52%+0.7pp | 29.75%-43.6pp | -7.84%-6.0pp |
| Employer contribution / active EE | $3,458 | $1,505+129.7% | $4,178-17.2% | $2,596+33.2% |
| Participant deferral / active EE | $11,333 | $2,637+329.7% | $4,071+178.3% | $4,028+181.4% |
| Admin fee / account holder | $4,488 | $4,021+11.6% | $5,646-20.5% | $5,403-16.9% |