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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 | $34,389 | $95,895-64.1% | $79,576-56.8% | $134,509-74.4% |
| Participation rate | 100.0% | 75.0%+25.0pp | 69.5%+30.5pp | 81.2%+18.8pp |
| Annual return | -14.44% | -2.72%-11.7pp | 0.15%-14.6pp | 418.13%-432.6pp |
| Employer contribution / active EE | $4,171 | $3,128+33.3% | $2,413+72.8% | $4,741-12.0% |
| Participant deferral / active EE | $5,905 | $4,693+25.8% | $3,985+48.2% | $6,400-7.7% |
| Admin fee / account holder | $979 | $9,129-89.3% | $6,834-85.7% | $11,427-91.4% |