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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 | $28,384 | $77,817-63.5% | $123,553-77.0% | $64,173-55.8% |
| Participation rate | 86.2% | 74.7%+11.5pp | 82.3%+3.9pp | 69.6%+16.6pp |
| Annual return | -7.54% | 12.49%-20.0pp | 119.21%-126.7pp | 7.63%-15.2pp |
| Employer contribution / active EE | $0 | $3,014-100.0% | $4,628-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $3,259 | $5,240-37.8% | $6,426-49.3% | $3,470-6.1% |
| Admin fee / account holder | $10,089 | $5,519+82.8% | $9,284+8.7% | $4,887+106.4% |