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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 | $14,321 | $27,639-48.2% | $61,501-76.7% | $68,490-79.1% |
| Participation rate | 96.2% | 39.5%+56.6pp | 52.6%+43.6pp | 67.9%+28.3pp |
| Annual return | -14.37% | -13.19%-1.2pp | 339.04%-353.4pp | -7.85%-6.5pp |
| Employer contribution / active EE | $3,535 | $696+407.9% | $1,160+204.8% | $2,597+36.1% |
| Participant deferral / active EE | $1,740 | $1,264+37.7% | $2,125-18.1% | $4,028-56.8% |
| Admin fee / account holder | $1,118 | $2,012-44.5% | $2,132-47.6% | $5,403-79.3% |