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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 | $20,829 | $45,566-54.3% | $64,105-67.5% | $59,633-65.1% |
| Participation rate | 75.4% | 60.2%+15.2pp | 68.2%+7.2pp | 68.7%+6.7pp |
| Annual return | -0.65% | 4.95%-5.6pp | 791.24%-791.9pp | 2041.45%-2042.1pp |
| Employer contribution / active EE | $712 | $934-23.8% | $1,820-60.9% | $2,203-67.7% |
| Participant deferral / active EE | $1,614 | $2,057-21.5% | $2,822-42.8% | $3,192-49.4% |
| Admin fee / account holder | $1,426 | $3,268-56.4% | $4,499-68.3% | $4,297-66.8% |