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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 | $38,906 | $70,486-44.8% | $100,535-61.3% | $79,856-51.3% |
| Participation rate | 75.4% | 73.6%+1.8pp | 79.4%-4.0pp | 69.6%+5.8pp |
| Annual return | 0.00% | 21.90%-21.9pp | 30.90%-30.9pp | 31.71%-31.7pp |
| Employer contribution / active EE | $0 | $2,165-100.0% | $3,419-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $10,165 | $5,182+96.2% | $6,271+62.1% | $3,741+171.7% |
| Admin fee / account holder | $1,753 | $4,480-60.9% | $8,085-78.3% | $5,306-67.0% |