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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 | $31,736 | $97,020-67.3% | $83,327-61.9% | $135,380-76.6% |
| Participation rate | 92.3% | 80.4%+11.9pp | 77.8%+14.5pp | 82.6%+9.7pp |
| Annual return | -9.34% | 12.31%-21.7pp | 10.64%-20.0pp | 519.81%-529.1pp |
| Employer contribution / active EE | $4,356 | $4,144+5.1% | $3,379+28.9% | $4,779-8.9% |
| Participant deferral / active EE | $9,570 | $5,964+60.5% | $5,565+72.0% | $5,609+70.6% |
| Admin fee / account holder | $1,284 | $8,426-84.8% | $7,540-83.0% | $10,828-88.1% |