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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 | $60,707 | $92,219-34.2% | $76,768-20.9% | $135,379-55.2% |
| Participation rate | 87.5% | 79.8%+7.7pp | 77.0%+10.5pp | 82.6%+4.9pp |
| Annual return | -2.34% | 5.46%-7.8pp | 2.43%-4.8pp | 519.79%-522.1pp |
| Employer contribution / active EE | $1,995 | $3,216-38.0% | $2,485-19.7% | $4,779-58.3% |
| Participant deferral / active EE | $5,913 | $4,508+31.2% | $3,852+53.5% | $5,609+5.4% |
| Admin fee / account holder | $1,589 | $10,749-85.2% | $6,675-76.2% | $10,828-85.3% |