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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 | $49,293 | $71,878-31.4% | $86,698-43.1% | $68,486-28.0% |
| Participation rate | 89.0% | 72.2%+16.8pp | 76.6%+12.4pp | 67.9%+21.1pp |
| Annual return | -16.16% | 3.53%-19.7pp | 35.95%-52.1pp | -7.85%-8.3pp |
| Employer contribution / active EE | $1,457 | $2,173-33.0% | $2,837-48.7% | $2,597-43.9% |
| Participant deferral / active EE | $4,045 | $3,779+7.0% | $4,656-13.1% | $4,028+0.4% |
| Admin fee / account holder | $3,796 | $6,113-37.9% | $7,493-49.3% | $5,404-29.8% |