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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 | $30,422 | $112,300-72.9% | $90,223-66.3% | $125,389-75.7% |
| Participation rate | 84.2% | 82.9%+1.3pp | 79.0%+5.2pp | 83.2%+1.0pp |
| Annual return | -1.05% | -0.57%-0.5pp | 1.31%-2.4pp | 282.24%-283.3pp |
| Employer contribution / active EE | $4,498 | $5,181-13.2% | $4,378+2.7% | $4,866-7.6% |
| Participant deferral / active EE | $6,064 | $6,733-9.9% | $5,792+4.7% | $5,352+13.3% |
| Admin fee / account holder | $1,554 | $10,990-85.9% | $7,406-79.0% | $9,541-83.7% |