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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 | $88,072 | $158,852-44.6% | $121,220-27.3% | $135,380-34.9% |
| Participation rate | 87.0% | 79.3%+7.6pp | 71.8%+15.2pp | 82.6%+4.3pp |
| Annual return | -1.58% | -0.64%-0.9pp | 16.94%-18.5pp | 519.81%-521.4pp |
| Employer contribution / active EE | $3,514 | $5,666-38.0% | $4,023-12.6% | $4,779-26.5% |
| Participant deferral / active EE | $3,539 | $4,006-11.6% | $3,345+5.8% | $5,609-36.9% |
| Admin fee / account holder | $2,882 | $6,515-55.8% | $5,021-42.6% | $10,828-73.4% |