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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 | $44,716 | $81,870-45.4% | $119,622-62.6% | $68,486-34.7% |
| Participation rate | 100.0% | 71.9%+28.1pp | 79.3%+20.7pp | 67.9%+32.1pp |
| Annual return | -16.91% | -23.82%+6.9pp | -14.98%-1.9pp | -7.85%-9.1pp |
| Employer contribution / active EE | $2,539 | $2,692-5.7% | $4,232-40.0% | $2,597-2.2% |
| Participant deferral / active EE | $4,310 | $4,148+3.9% | $5,601-23.0% | $4,028+7.0% |
| Admin fee / account holder | $2,619 | $6,583-60.2% | $10,328-74.6% | $5,404-51.5% |