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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 | $60,986 | $92,219-33.9% | $76,766-20.6% | $135,382-55.0% |
| Participation rate | 91.3% | 79.8%+11.5pp | 77.0%+14.3pp | 82.6%+8.7pp |
| Annual return | -5.24% | 5.46%-10.7pp | 2.43%-7.7pp | 519.77%-525.0pp |
| Employer contribution / active EE | $4,526 | $3,216+40.7% | $2,485+82.1% | $4,779-5.3% |
| Participant deferral / active EE | $3,173 | $4,508-29.6% | $3,851-17.6% | $5,609-43.4% |
| Admin fee / account holder | $3,075 | $10,749-71.4% | $6,675-53.9% | $10,829-71.6% |