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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 | $21,752 | $45,566-52.3% | $64,105-66.1% | $59,632-63.5% |
| Participation rate | 97.7% | 60.2%+37.5pp | 68.2%+29.5pp | 68.7%+29.0pp |
| Annual return | -1.08% | 4.95%-6.0pp | 791.24%-792.3pp | 2041.32%-2042.4pp |
| Employer contribution / active EE | $1,649 | $934+76.6% | $1,820-9.4% | $2,203-25.1% |
| Participant deferral / active EE | $1,781 | $2,057-13.4% | $2,822-36.9% | $3,192-44.2% |
| Admin fee / account holder | $796 | $3,268-75.6% | $4,499-82.3% | $4,297-81.5% |