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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 | $31,704 | $45,566-30.4% | $64,105-50.5% | $59,633-46.8% |
| Participation rate | 71.9% | 60.2%+11.7pp | 68.2%+3.7pp | 68.7%+3.2pp |
| Annual return | -1.93% | 4.95%-6.9pp | 791.24%-793.2pp | 2041.45%-2043.4pp |
| Employer contribution / active EE | $445 | $934-52.4% | $1,820-75.6% | $2,203-79.8% |
| Participant deferral / active EE | $1,618 | $2,057-21.4% | $2,822-42.7% | $3,192-49.3% |
| Admin fee / account holder | $2,645 | $3,268-19.0% | $4,499-41.2% | $4,297-38.4% |