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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 | $28,110 | $30,732-8.5% | $59,496-52.8% | $59,633-52.9% |
| Participation rate | 100.0% | 43.2%+56.8pp | 54.6%+45.4pp | 68.7%+31.3pp |
| Annual return | -1.88% | 4.47%-6.3pp | 182.05%-183.9pp | 2041.45%-2043.3pp |
| Employer contribution / active EE | $1,135 | $631+80.0% | $1,153-1.5% | $2,203-48.5% |
| Participant deferral / active EE | $1,611 | $1,183+36.2% | $1,829-11.9% | $3,192-49.5% |
| Admin fee / account holder | $352 | $2,136-83.5% | $2,232-84.2% | $4,297-91.8% |