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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 | $53,507 | $140,592-61.9% | $123,106-56.5% | $125,388-57.3% |
| Participation rate | 86.4% | 88.2%-1.8pp | 86.8%-0.4pp | 83.2%+3.2pp |
| Annual return | -1.01% | 16.80%-17.8pp | 13.22%-14.2pp | 282.24%-283.2pp |
| Employer contribution / active EE | $2,892 | $6,041-52.1% | $5,151-43.9% | $4,866-40.6% |
| Participant deferral / active EE | $3,121 | $6,980-55.3% | $6,229-49.9% | $5,352-41.7% |
| Admin fee / account holder | $4,128 | $11,198-63.1% | $9,015-54.2% | $9,541-56.7% |