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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 | $28,616 | $84,518-66.1% | $67,704-57.7% | $125,388-77.2% |
| Participation rate | 87.5% | 74.8%+12.7pp | 67.5%+20.0pp | 83.2%+4.3pp |
| Annual return | -3.53% | 2.57%-6.1pp | 25.41%-28.9pp | 282.24%-285.8pp |
| Employer contribution / active EE | $4,457 | $3,292+35.4% | $2,559+74.1% | $4,866-8.4% |
| Participant deferral / active EE | $4,639 | $4,430+4.7% | $3,585+29.4% | $5,352-13.3% |
| Admin fee / account holder | $1,337 | $5,340-75.0% | $4,255-68.6% | $9,541-86.0% |