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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 | $43,678 | $72,177-39.5% | $115,038-62.0% | $59,633-26.8% |
| Participation rate | 85.5% | 72.6%+12.9pp | 81.4%+4.1pp | 68.7%+16.8pp |
| Annual return | -0.37% | 12.02%-12.4pp | 26.14%-26.5pp | 2041.45%-2041.8pp |
| Employer contribution / active EE | $5,393 | $2,841+89.8% | $4,608+17.0% | $2,203+144.8% |
| Participant deferral / active EE | $10,075 | $4,783+110.7% | $6,026+67.2% | $3,192+215.7% |
| Admin fee / account holder | $3,946 | $4,927-19.9% | $8,175-51.7% | $4,297-8.2% |