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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 | $37,414 | $65,704-43.1% | $94,229-60.3% | $59,633-37.3% |
| Participation rate | 96.7% | 72.1%+24.5pp | 78.8%+17.9pp | 68.7%+28.0pp |
| Annual return | -0.40% | 5.22%-5.6pp | 10.68%-11.1pp | 2041.45%-2041.9pp |
| Employer contribution / active EE | $4,404 | $2,021+117.9% | $3,587+22.8% | $2,203+99.9% |
| Participant deferral / active EE | $2,819 | $3,143-10.3% | $4,320-34.7% | $3,192-11.7% |
| Admin fee / account holder | $5,946 | $4,265+39.4% | $6,269-5.2% | $4,297+38.4% |