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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 | $30,745 | $56,200-45.3% | $67,653-54.6% | $59,633-48.4% |
| Participation rate | 88.7% | 71.5%+17.2pp | 75.7%+13.0pp | 68.7%+20.0pp |
| Annual return | -1.87% | 18506.71%-18508.6pp | 6625.22%-6627.1pp | 2041.40%-2043.3pp |
| Employer contribution / active EE | $655 | $1,615-59.4% | $2,266-71.1% | $2,203-70.3% |
| Participant deferral / active EE | $2,696 | $2,843-5.2% | $3,560-24.3% | $3,192-15.5% |
| Admin fee / account holder | $418 | $3,959-89.5% | $4,821-91.3% | $4,297-90.3% |