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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 | $33,120 | $44,850-26.2% | $60,547-45.3% | $59,633-44.5% |
| Participation rate | 96.0% | 59.5%+36.5pp | 68.0%+28.0pp | 68.7%+27.3pp |
| Annual return | -0.52% | 1074.14%-1074.7pp | 335.64%-336.2pp | 2041.45%-2042.0pp |
| Employer contribution / active EE | $2,973 | $1,462+103.4% | $2,419+22.9% | $2,203+35.0% |
| Participant deferral / active EE | $1,055 | $2,230-52.7% | $3,328-68.3% | $3,192-67.0% |
| Admin fee / account holder | $1,020 | $3,635-72.0% | $4,536-77.5% | $4,297-76.3% |