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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 | $43,928 | $113,941-61.4% | $94,229-53.4% | $125,389-65.0% |
| Participation rate | 88.2% | 82.9%+5.3pp | 78.8%+9.5pp | 83.2%+5.0pp |
| Annual return | -1.09% | 5.29%-6.4pp | 10.68%-11.8pp | 282.24%-283.3pp |
| Employer contribution / active EE | $1,854 | $4,727-60.8% | $3,587-48.3% | $4,866-61.9% |
| Participant deferral / active EE | $3,552 | $5,179-31.4% | $4,320-17.8% | $5,352-33.6% |
| Admin fee / account holder | $8,398 | $8,392+0.1% | $6,269+34.0% | $9,541-12.0% |