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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 | $50,056 | $56,484-11.4% | $169,452-70.5% | $64,173-22.0% |
| Participation rate | 81.5% | 64.5%+16.9pp | 77.8%+3.7pp | 69.6%+11.9pp |
| Annual return | -6.55% | -1.55%-5.0pp | 1.83%-8.4pp | 7.63%-14.2pp |
| Employer contribution / active EE | $0 | $1,832-100.0% | $4,157-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $6,104 | $3,448+77.0% | $5,277+15.7% | $3,470+75.9% |
| Admin fee / account holder | $4,144 | $4,174-0.7% | $9,110-54.5% | $4,887-15.2% |