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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 | $32,702 | $62,586-47.7% | $76,766-57.4% | $64,181-49.0% |
| Participation rate | 75.5% | 72.8%+2.7pp | 77.0%-1.5pp | 69.6%+5.9pp |
| Annual return | 0.00% | -1.95%+1.9pp | 2.43%-2.4pp | 7.63%-7.6pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $2,485-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $1,561 | $3,145-50.3% | $3,851-59.5% | $3,470-55.0% |
| Admin fee / account holder | $662 | $4,667-85.8% | $6,675-90.1% | $4,887-86.5% |