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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 | $64,717 | $72,177-10.3% | $115,038-43.7% | $59,633+8.5% |
| Participation rate | 78.9% | 72.6%+6.4pp | 81.4%-2.4pp | 68.7%+10.3pp |
| Annual return | -0.22% | 12.02%-12.2pp | 26.14%-26.4pp | 2041.45%-2041.7pp |
| Employer contribution / active EE | $0 | $2,841-100.0% | $4,608-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $7,023 | $4,783+46.8% | $6,026+16.5% | $3,192+120.0% |
| Admin fee / account holder | $1,782 | $4,927-63.8% | $8,175-78.2% | $4,297-58.5% |