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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 | $72,844 | $211,946-65.6% | $169,452-57.0% | $135,380-46.2% |
| Participation rate | 90.0% | 82.6%+7.4pp | 77.8%+12.2pp | 82.6%+7.4pp |
| Annual return | -5.86% | 3.26%-9.1pp | 1.83%-7.7pp | 519.81%-525.7pp |
| Employer contribution / active EE | $4,696 | $5,117-8.2% | $4,157+13.0% | $4,779-1.7% |
| Participant deferral / active EE | $5,226 | $6,075-14.0% | $5,277-1.0% | $5,609-6.8% |
| Admin fee / account holder | $1,749 | $11,472-84.8% | $9,110-80.8% | $10,828-83.8% |