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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 | $33,533 | $75,962-55.9% | $154,108-78.2% | $64,173-47.7% |
| Participation rate | 100.0% | 70.4%+29.6pp | 83.0%+17.0pp | 69.6%+30.4pp |
| Annual return | -7.77% | 30.32%-38.1pp | 735.21%-743.0pp | 7.63%-15.4pp |
| Employer contribution / active EE | $3,904 | $3,350+16.5% | $5,298-26.3% | $2,381+64.0% |
| Participant deferral / active EE | $5,181 | $3,175+63.2% | $5,081+2.0% | $3,470+49.3% |
| Admin fee / account holder | $981 | $5,589-82.5% | $13,411-92.7% | $4,887-79.9% |