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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 | $61,143 | $105,861-42.2% | $90,756-32.6% | $134,509-54.5% |
| Participation rate | 83.3% | 78.2%+5.1pp | 75.7%+7.6pp | 81.2%+2.1pp |
| Annual return | -15.84% | -10.99%-4.8pp | -12.16%-3.7pp | 418.13%-434.0pp |
| Employer contribution / active EE | $3,131 | $3,463-9.6% | $2,922+7.2% | $4,741-33.9% |
| Participant deferral / active EE | $2,717 | $5,217-47.9% | $4,565-40.5% | $6,400-57.5% |
| Admin fee / account holder | $583 | $13,938-95.8% | $8,445-93.1% | $11,427-94.9% |