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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 | $37,448 | $75,832-50.6% | $147,617-74.6% | $59,633-37.2% |
| Participation rate | 73.0% | 71.6%+1.4pp | 84.6%-11.6pp | 68.7%+4.3pp |
| Annual return | -2.00% | 0.37%-2.4pp | 61.98%-64.0pp | 2041.45%-2043.4pp |
| Employer contribution / active EE | $1,479 | $3,485-57.6% | $5,564-73.4% | $2,203-32.9% |
| Participant deferral / active EE | $2,930 | $3,131-6.4% | $4,895-40.2% | $3,192-8.2% |
| Admin fee / account holder | $351 | $5,986-94.1% | $11,612-97.0% | $4,297-91.8% |