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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 | $71,704 | $72,177-0.7% | $115,038-37.7% | $59,633+20.2% |
| Participation rate | 75.4% | 72.6%+2.9pp | 81.4%-6.0pp | 68.7%+6.7pp |
| Annual return | -1.55% | 12.02%-13.6pp | 26.14%-27.7pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $6,385 | $4,783+33.5% | $6,026+5.9% | $3,192+100.0% |
| Admin fee / account holder | $2,499 | $4,927-49.3% | $8,175-69.4% | $4,297-41.9% |