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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 | $36,117 | $45,566-20.7% | $64,105-43.7% | $59,633-39.4% |
| Participation rate | 74.6% | 60.2%+14.5pp | 68.2%+6.5pp | 68.7%+6.0pp |
| Annual return | -2.15% | 4.95%-7.1pp | 791.24%-793.4pp | 2041.45%-2043.6pp |
| Employer contribution / active EE | $707 | $934-24.3% | $1,820-61.2% | $2,203-67.9% |
| Participant deferral / active EE | $1,954 | $2,057-5.0% | $2,822-30.7% | $3,192-38.8% |
| Admin fee / account holder | $1,198 | $3,268-63.3% | $4,499-73.4% | $4,297-72.1% |