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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 | $50,855 | $72,177-29.5% | $115,038-55.8% | $59,633-14.7% |
| Participation rate | 73.5% | 72.6%+0.9pp | 81.4%-7.9pp | 68.7%+4.8pp |
| Annual return | 1.41% | 12.02%-10.6pp | 26.14%-24.7pp | 2041.45%-2040.0pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $6,092 | $4,783+27.4% | $6,026+1.1% | $3,192+90.9% |
| Admin fee / account holder | $5,772 | $4,927+17.2% | $8,175-29.4% | $4,297+34.3% |