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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 | $33,574 | $75,183-55.3% | $123,894-72.9% | $55,167-39.1% |
| Participation rate | 78.2% | 72.8%+5.4pp | 81.4%-3.2pp | 69.0%+9.2pp |
| Annual return | 0.00% | 19.01%-19.0pp | 47.52%-47.5pp | 169.23%-169.2pp |
| Employer contribution / active EE | $1,017 | $2,823-64.0% | $4,617-78.0% | $1,963-48.2% |
| Participant deferral / active EE | $6,432 | $5,084+26.5% | $5,984+7.5% | $3,054+110.6% |
| Admin fee / account holder | $2,173 | $663+228.0% | $8,357-74.0% | $504+331.2% |