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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 | $24,051 | $54,355-55.8% | $82,744-70.9% | $68,486-64.9% |
| Participation rate | 81.8% | 63.9%+17.9pp | 72.6%+9.3pp | 67.9%+13.9pp |
| Annual return | -15.62% | -13.67%-1.9pp | 702.22%-717.8pp | -7.85%-7.8pp |
| Employer contribution / active EE | $2,589 | $2,219+16.7% | $3,008-13.9% | $2,597-0.3% |
| Participant deferral / active EE | $2,978 | $3,246-8.3% | $4,395-32.2% | $4,028-26.1% |
| Admin fee / account holder | $729 | $4,397-83.4% | $5,325-86.3% | $5,404-86.5% |