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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 | $43,265 | $56,197-23.0% | $67,652-36.0% | $59,633-27.4% |
| Participation rate | 96.8% | 71.5%+25.3pp | 75.7%+21.1pp | 68.7%+28.1pp |
| Annual return | -0.51% | 18508.10%-18508.6pp | 6625.40%-6625.9pp | 2041.45%-2042.0pp |
| Employer contribution / active EE | $1,918 | $1,615+18.8% | $2,266-15.3% | $2,203-12.9% |
| Participant deferral / active EE | $2,435 | $2,844-14.4% | $3,560-31.6% | $3,192-23.7% |
| Admin fee / account holder | $495 | $3,958-87.5% | $4,821-89.7% | $4,297-88.5% |