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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 | $55,693 | $83,908-33.6% | $68,509-18.7% | $125,389-55.6% |
| Participation rate | 90.9% | 78.2%+12.7pp | 74.7%+16.2pp | 83.2%+7.7pp |
| Annual return | -0.34% | 14.48%-14.8pp | 8.27%-8.6pp | 282.24%-282.6pp |
| Employer contribution / active EE | $1,479 | $3,031-51.2% | $2,278-35.1% | $4,866-69.6% |
| Participant deferral / active EE | $3,994 | $4,125-3.2% | $3,382+18.1% | $5,352-25.4% |
| Admin fee / account holder | $345 | $8,982-96.2% | $5,275-93.5% | $9,541-96.4% |