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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 | $59,872 | $45,872+30.5% | $77,096-22.3% | $68,486-12.6% |
| Participation rate | 87.2% | 55.9%+31.3pp | 67.9%+19.3pp | 67.9%+19.3pp |
| Annual return | 0.00% | 1.73%-1.7pp | 42.35%-42.3pp | -7.85%+7.9pp |
| Employer contribution / active EE | $378 | $1,650-77.1% | $2,814-86.6% | $2,597-85.5% |
| Participant deferral / active EE | $919 | $2,963-69.0% | $4,429-79.3% | $4,028-77.2% |
| Admin fee / account holder | $8,612 | $3,041+183.2% | $5,428+58.6% | $5,404+59.4% |