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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 | $19,519 | $54,355-64.1% | $82,744-76.4% | $68,486-71.5% |
| Participation rate | 76.2% | 63.9%+12.3pp | 72.6%+3.6pp | 67.9%+8.3pp |
| Annual return | -16.35% | -13.67%-2.7pp | 702.22%-718.6pp | -7.85%-8.5pp |
| Employer contribution / active EE | $1,153 | $2,219-48.0% | $3,008-61.7% | $2,597-55.6% |
| Participant deferral / active EE | $4,089 | $3,246+25.9% | $4,395-7.0% | $4,028+1.5% |
| Admin fee / account holder | $1,150 | $4,397-73.9% | $5,325-78.4% | $5,404-78.7% |