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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 | $68,171 | $83,908-18.8% | $68,509-0.5% | $125,393-45.6% |
| Participation rate | 95.2% | 78.2%+17.1pp | 74.7%+20.5pp | 83.2%+12.0pp |
| Annual return | -2.79% | 14.48%-17.3pp | 8.27%-11.1pp | 282.23%-285.0pp |
| Employer contribution / active EE | $1,612 | $3,031-46.8% | $2,278-29.2% | $4,866-66.9% |
| Participant deferral / active EE | $4,097 | $4,125-0.7% | $3,382+21.1% | $5,351-23.4% |
| Admin fee / account holder | $9,692 | $8,982+7.9% | $5,275+83.7% | $9,541+1.6% |