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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 | $41,981 | $39,245+7.0% | $64,105-34.5% | $52,331-19.8% |
| Participation rate | 93.6% | 58.2%+35.4pp | 68.2%+25.5pp | 68.1%+25.5pp |
| Annual return | -0.06% | 14.79%-14.8pp | 791.24%-791.3pp | 4.54%-4.6pp |
| Employer contribution / active EE | $382 | $736-48.1% | $1,820-79.0% | $1,882-79.7% |
| Participant deferral / active EE | $2,115 | $1,992+6.2% | $2,822-25.1% | $3,022-30.0% |
| Admin fee / account holder | $3,686 | $592+522.1% | $4,499-18.1% | $592+523.1% |