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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 | $26,043 | $75,832-65.7% | $147,618-82.4% | $59,633-56.3% |
| Participation rate | 73.3% | 71.6%+1.8pp | 84.6%-11.3pp | 68.7%+4.7pp |
| Annual return | -1.18% | 0.37%-1.5pp | 61.98%-63.2pp | 2041.40%-2042.6pp |
| Employer contribution / active EE | $1,779 | $3,485-48.9% | $5,565-68.0% | $2,203-19.2% |
| Participant deferral / active EE | $3,446 | $3,131+10.1% | $4,895-29.6% | $3,192+8.0% |
| Admin fee / account holder | $2,291 | $5,986-61.7% | $11,612-80.3% | $4,297-46.7% |