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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 | $87,245 | $73,863+18.1% | $143,797-39.3% | $68,490+27.4% |
| Participation rate | 78.7% | 66.7%+12.1pp | 80.3%-1.6pp | 67.9%+10.8pp |
| Annual return | -17.42% | 0.91%-18.3pp | -0.04%-17.4pp | -7.85%-9.6pp |
| Employer contribution / active EE | $3,347 | $3,185+5.1% | $4,952-32.4% | $2,597+28.9% |
| Participant deferral / active EE | $7,963 | $3,385+135.3% | $5,638+41.2% | $4,028+97.7% |
| Admin fee / account holder | $5,413 | $5,756-6.0% | $14,679-63.1% | $5,403+0.2% |