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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 | $51,868 | $52,911-2.0% | $73,309-29.2% | $59,633-13.0% |
| Participation rate | 100.0% | 68.2%+31.8pp | 74.9%+25.1pp | 68.7%+31.3pp |
| Annual return | -2.38% | 12.20%-14.6pp | 5.67%-8.1pp | 2041.45%-2043.8pp |
| Employer contribution / active EE | $0 | $1,909-100.0% | $3,237-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $2,813 | $4,069-30.9% | $4,991-43.6% | $3,192-11.9% |
| Admin fee / account holder | $1,694 | $3,835-55.8% | $5,635-69.9% | $4,297-60.6% |