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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 | $46,465 | $72,177-35.6% | $115,038-59.6% | $59,633-22.1% |
| Participation rate | 90.0% | 72.6%+17.4pp | 81.4%+8.6pp | 68.7%+21.3pp |
| Annual return | -0.04% | 12.02%-12.1pp | 26.14%-26.2pp | 2041.45%-2041.5pp |
| Employer contribution / active EE | $1,085 | $2,841-61.8% | $4,608-76.4% | $2,203-50.7% |
| Participant deferral / active EE | $4,367 | $4,783-8.7% | $6,026-27.5% | $3,192+36.8% |
| Admin fee / account holder | $8,789 | $4,927+78.4% | $8,175+7.5% | $4,297+104.5% |