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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 | $86,866 | $113,935-23.8% | $94,224-7.8% | $125,393-30.7% |
| Participation rate | 85.7% | 82.9%+2.8pp | 78.8%+6.9pp | 83.2%+2.5pp |
| Annual return | -0.72% | 5.29%-6.0pp | 10.68%-11.4pp | 282.23%-283.0pp |
| Employer contribution / active EE | $0 | $4,727-100.0% | $3,587-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $3,540 | $5,179-31.6% | $4,320-18.1% | $5,351-33.9% |
| Admin fee / account holder | $3,712 | $8,391-55.8% | $6,269-40.8% | $9,541-61.1% |