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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 | $25,441 | $72,177-64.8% | $115,037-77.9% | $59,633-57.3% |
| Participation rate | 75.0% | 72.6%+2.4pp | 81.4%-6.4pp | 68.7%+6.3pp |
| Annual return | -1.63% | 12.02%-13.7pp | 26.14%-27.8pp | 2041.40%-2043.0pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $6,580 | $4,783+37.6% | $6,026+9.2% | $3,192+106.2% |
| Admin fee / account holder | $3,632 | $4,927-26.3% | $8,175-55.6% | $4,297-15.5% |