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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 | $33,731 | $66,302-49.1% | $110,243-69.4% | $56,289-40.1% |
| Participation rate | 99.1% | 74.9%+24.2pp | 79.8%+19.3pp | 69.9%+29.3pp |
| Annual return | -5.93% | -1.18%-4.8pp | 314.76%-320.7pp | -9.96%+4.0pp |
| Employer contribution / active EE | $1,109 | $2,047-45.8% | $3,827-71.0% | $2,111-47.5% |
| Participant deferral / active EE | $3,267 | $3,381-3.4% | $4,672-30.1% | $3,350-2.5% |
| Admin fee / account holder | $763 | $698+9.3% | $8,548-91.1% | $521+46.5% |