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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 | $57,525 | $59,107-2.7% | $86,439-33.4% | $68,495-16.0% |
| Participation rate | 100.0% | 75.2%+24.8pp | 80.3%+19.7pp | 67.9%+32.1pp |
| Annual return | -16.31% | -0.23%-16.1pp | 4395.55%-4411.9pp | -7.84%-8.5pp |
| Employer contribution / active EE | $2,205 | $2,519-12.5% | $3,769-41.5% | $2,596-15.1% |
| Participant deferral / active EE | $4,149 | $5,901-29.7% | $6,952-40.3% | $4,028+3.0% |
| Admin fee / account holder | $1,866 | $5,637-66.9% | $6,732-72.3% | $5,403-65.5% |