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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 | $21,415 | $95,188-77.5% | $76,518-72.0% | $135,379-84.2% |
| Participation rate | 100.0% | 74.4%+25.6pp | 68.0%+32.0pp | 82.6%+17.4pp |
| Annual return | -7.62% | 4.85%-12.5pp | -0.27%-7.4pp | 519.79%-527.4pp |
| Employer contribution / active EE | $6,977 | $3,303+111.2% | $2,647+163.5% | $4,779+46.0% |
| Participant deferral / active EE | $3,899 | $4,640-16.0% | $3,836+1.6% | $5,609-30.5% |
| Admin fee / account holder | $446 | $6,249-92.9% | $4,849-90.8% | $10,828-95.9% |