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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 | $73,913 | $87,544-15.6% | $75,784-2.5% | $125,388-41.1% |
| Participation rate | 92.9% | 80.2%+12.7pp | 75.8%+17.0pp | 83.2%+9.7pp |
| Annual return | -2.60% | 13.49%-16.1pp | 9.68%-12.3pp | 282.24%-284.8pp |
| Employer contribution / active EE | $3,064 | $3,930-22.0% | $3,323-7.8% | $4,866-37.0% |
| Participant deferral / active EE | $5,191 | $4,229+22.7% | $3,652+42.1% | $5,352-3.0% |
| Admin fee / account holder | $1,412 | $6,502-78.3% | $5,300-73.3% | $9,541-85.2% |