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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 | $12,034 | $27,632-56.4% | $61,452-80.4% | $68,486-82.4% |
| Participation rate | 93.0% | 39.5%+53.5pp | 52.6%+40.5pp | 67.9%+25.1pp |
| Annual return | -15.63% | -13.24%-2.4pp | 338.96%-354.6pp | -7.85%-7.8pp |
| Employer contribution / active EE | $2,942 | $696+322.9% | $1,160+153.7% | $2,597+13.3% |
| Participant deferral / active EE | $1,989 | $1,264+57.4% | $2,125-6.4% | $4,028-50.6% |
| Admin fee / account holder | $688 | $2,010-65.8% | $2,131-67.7% | $5,404-87.3% |