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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 | $40,195 | $54,370-26.1% | $82,763-51.4% | $68,490-41.3% |
| Participation rate | 100.0% | 63.9%+36.1pp | 72.6%+27.4pp | 67.9%+32.1pp |
| Annual return | -13.64% | -13.67%0pp | 702.45%-716.1pp | -7.85%-5.8pp |
| Employer contribution / active EE | $1,801 | $2,219-18.8% | $3,008-40.1% | $2,597-30.6% |
| Participant deferral / active EE | $4,099 | $3,247+26.2% | $4,395-6.7% | $4,028+1.8% |
| Admin fee / account holder | $3,126 | $4,398-28.9% | $5,325-41.3% | $5,403-42.1% |