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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 | $43,458 | $112,300-61.3% | $90,223-51.8% | $125,389-65.3% |
| Participation rate | 91.7% | 82.9%+8.8pp | 79.0%+12.6pp | 83.2%+8.5pp |
| Annual return | -0.66% | -0.57%-0.1pp | 1.31%-2.0pp | 282.24%-282.9pp |
| Employer contribution / active EE | $5,432 | $5,181+4.8% | $4,378+24.1% | $4,866+11.6% |
| Participant deferral / active EE | $5,148 | $6,733-23.5% | $5,792-11.1% | $5,352-3.8% |
| Admin fee / account holder | $4,371 | $10,990-60.2% | $7,406-41.0% | $9,541-54.2% |