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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 | $46,482 | $87,546-46.9% | $75,784-38.7% | $125,389-62.9% |
| Participation rate | 85.0% | 80.2%+4.8pp | 75.8%+9.2pp | 83.2%+1.8pp |
| Annual return | -2.68% | 13.49%-16.2pp | 9.68%-12.4pp | 282.24%-284.9pp |
| Employer contribution / active EE | $2,282 | $3,930-41.9% | $3,323-31.3% | $4,866-53.1% |
| Participant deferral / active EE | $4,527 | $4,230+7.0% | $3,652+24.0% | $5,352-15.4% |
| Admin fee / account holder | $462 | $6,503-92.9% | $5,300-91.3% | $9,541-95.2% |