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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 | $82,063 | $127,096-35.4% | $105,736-22.4% | $135,380-39.4% |
| Participation rate | 87.5% | 82.7%+4.8pp | 76.3%+11.2pp | 82.6%+4.9pp |
| Annual return | -5.75% | 4.49%-10.2pp | 6.27%-12.0pp | 519.81%-525.6pp |
| Employer contribution / active EE | $4,263 | $4,107+3.8% | $3,268+30.4% | $4,779-10.8% |
| Participant deferral / active EE | $6,581 | $5,064+30.0% | $4,080+61.3% | $5,609+17.3% |
| Admin fee / account holder | $3,807 | $9,087-58.1% | $6,913-44.9% | $10,828-64.8% |