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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 | $60,747 | $73,848-17.7% | $143,799-57.8% | $68,486-11.3% |
| Participation rate | 89.7% | 66.7%+23.1pp | 80.3%+9.4pp | 67.9%+21.9pp |
| Annual return | -12.29% | 0.91%-13.2pp | -0.04%-12.2pp | -7.85%-4.4pp |
| Employer contribution / active EE | $3,044 | $3,184-4.4% | $4,952-38.5% | $2,597+17.2% |
| Participant deferral / active EE | $4,393 | $3,385+29.8% | $5,638-22.1% | $4,028+9.1% |
| Admin fee / account holder | $2,907 | $5,755-49.5% | $14,677-80.2% | $5,404-46.2% |