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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 | $54,194 | $54,380-0.3% | $68,509-20.9% | $59,633-9.1% |
| Participation rate | 80.6% | 70.2%+10.5pp | 74.7%+5.9pp | 68.7%+12.0pp |
| Annual return | -2.26% | 2.83%-5.1pp | 8.27%-10.5pp | 2041.45%-2043.7pp |
| Employer contribution / active EE | $0 | $1,539-100.0% | $2,278-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $4,274 | $2,643+61.7% | $3,382+26.4% | $3,192+33.9% |
| Admin fee / account holder | $5,763 | $3,885+48.3% | $5,275+9.3% | $4,297+34.1% |