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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 | $7,254 | $27,639-73.8% | $61,501-88.2% | $68,490-89.4% |
| Participation rate | 96.9% | 39.5%+57.4pp | 52.6%+44.3pp | 67.9%+29.0pp |
| Annual return | -14.76% | -13.19%-1.6pp | 339.04%-353.8pp | -7.85%-6.9pp |
| Employer contribution / active EE | $808 | $696+16.1% | $1,160-30.3% | $2,597-68.9% |
| Participant deferral / active EE | $1,509 | $1,264+19.4% | $2,125-29.0% | $4,028-62.5% |
| Admin fee / account holder | $742 | $2,012-63.1% | $2,132-65.2% | $5,403-86.3% |