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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 | $36,326 | $32,117+13.1% | $71,089-48.9% | $64,173-43.4% |
| Participation rate | 100.0% | 42.7%+57.3pp | 54.6%+45.4pp | 69.6%+30.4pp |
| Annual return | -7.08% | -5.57%-1.5pp | 650.65%-657.7pp | 7.63%-14.7pp |
| Employer contribution / active EE | $780 | $712+9.5% | $1,088-28.3% | $2,381-67.2% |
| Participant deferral / active EE | $1,160 | $1,263-8.2% | $1,873-38.1% | $3,470-66.6% |
| Admin fee / account holder | $686 | $2,759-75.1% | $3,082-77.7% | $4,887-86.0% |