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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 | $26,242 | $78,694-66.7% | $67,652-61.2% | $125,389-79.1% |
| Participation rate | 82.4% | 78.8%+3.5pp | 75.7%+6.7pp | 83.2%-0.8pp |
| Annual return | -2.66% | 9.46%-12.1pp | 6625.40%-6628.1pp | 282.24%-284.9pp |
| Employer contribution / active EE | $1,575 | $3,044-48.3% | $2,266-30.5% | $4,866-67.6% |
| Participant deferral / active EE | $5,964 | $4,292+39.0% | $3,560+67.6% | $5,352+11.5% |
| Admin fee / account holder | $382 | $7,403-94.8% | $4,821-92.1% | $9,541-96.0% |