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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 | $74,716 | $127,386-41.3% | $115,037-35.1% | $125,393-40.4% |
| Participation rate | 94.1% | 84.2%+10.0pp | 81.4%+12.8pp | 83.2%+10.9pp |
| Annual return | -1.87% | 31.28%-33.1pp | 26.14%-28.0pp | 282.23%-284.1pp |
| Employer contribution / active EE | $3,102 | $5,166-40.0% | $4,608-32.7% | $4,866-36.3% |
| Participant deferral / active EE | $5,304 | $6,423-17.4% | $6,026-12.0% | $5,351-0.9% |
| Admin fee / account holder | $2,635 | $9,516-72.3% | $8,175-67.8% | $9,541-72.4% |