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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 | $55,550 | $78,694-29.4% | $67,653-17.9% | $125,388-55.7% |
| Participation rate | 94.1% | 78.8%+15.3pp | 75.7%+18.5pp | 83.2%+10.9pp |
| Annual return | -0.90% | 9.46%-10.4pp | 6625.22%-6626.1pp | 282.24%-283.1pp |
| Employer contribution / active EE | $2,353 | $3,044-22.7% | $2,266+3.9% | $4,866-51.6% |
| Participant deferral / active EE | $1,754 | $4,292-59.1% | $3,560-50.7% | $5,352-67.2% |
| Admin fee / account holder | $15,220 | $7,403+105.6% | $4,821+215.7% | $9,541+59.5% |