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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 | $65,870 | $86,701-24.0% | $73,309-10.1% | $125,389-47.5% |
| Participation rate | 87.5% | 78.6%+8.9pp | 74.9%+12.6pp | 83.2%+4.3pp |
| Annual return | -1.58% | 2.78%-4.4pp | 5.67%-7.3pp | 282.24%-283.8pp |
| Employer contribution / active EE | $860 | $4,152-79.3% | $3,237-73.4% | $4,866-82.3% |
| Participant deferral / active EE | $4,061 | $5,549-26.8% | $4,991-18.6% | $5,352-24.1% |
| Admin fee / account holder | $590 | $7,768-92.4% | $5,635-89.5% | $9,541-93.8% |