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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 | $23,808 | $27,632-13.8% | $61,399-61.2% | $68,495-65.2% |
| Participation rate | 97.7% | 39.5%+58.2pp | 52.6%+45.2pp | 67.9%+29.8pp |
| Annual return | -16.97% | -13.24%-3.7pp | 338.81%-355.8pp | -7.84%-9.1pp |
| Employer contribution / active EE | $2,142 | $696+207.9% | $1,159+84.8% | $2,596-17.5% |
| Participant deferral / active EE | $4,606 | $1,264+264.5% | $2,124+116.8% | $4,028+14.4% |
| Admin fee / account holder | $1,207 | $2,010-40.0% | $2,131-43.4% | $5,403-77.7% |