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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 | $34,995 | $59,111-40.8% | $86,451-59.5% | $68,490-48.9% |
| Participation rate | 83.9% | 75.2%+8.6pp | 80.3%+3.5pp | 67.9%+16.0pp |
| Annual return | -14.10% | -0.22%-13.9pp | 4398.51%-4412.6pp | -7.85%-6.2pp |
| Employer contribution / active EE | $2,183 | $2,519-13.3% | $3,770-42.1% | $2,597-15.9% |
| Participant deferral / active EE | $7,051 | $5,900+19.5% | $6,953+1.4% | $4,028+75.1% |
| Admin fee / account holder | $13,839 | $5,640+145.4% | $6,734+105.5% | $5,403+156.1% |