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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 | $36,671 | $75,832-51.6% | $147,617-75.2% | $59,633-38.5% |
| Participation rate | 77.1% | 71.6%+5.6pp | 84.6%-7.5pp | 68.7%+8.5pp |
| Annual return | -1.60% | 0.37%-2.0pp | 61.98%-63.6pp | 2041.45%-2043.1pp |
| Employer contribution / active EE | $891 | $3,485-74.4% | $5,564-84.0% | $2,203-59.6% |
| Participant deferral / active EE | $4,451 | $3,131+42.2% | $4,895-9.1% | $3,192+39.4% |
| Admin fee / account holder | $4,295 | $5,986-28.2% | $11,612-63.0% | $4,2970% |