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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 | $28,720 | $54,370-47.2% | $82,763-65.3% | $68,490-58.1% |
| Participation rate | 91.8% | 63.9%+27.9pp | 72.6%+19.2pp | 67.9%+23.9pp |
| Annual return | -13.21% | -13.67%+0.5pp | 702.45%-715.7pp | -7.85%-5.4pp |
| Employer contribution / active EE | $2,674 | $2,219+20.5% | $3,008-11.1% | $2,597+3.0% |
| Participant deferral / active EE | $1,461 | $3,247-55.0% | $4,395-66.8% | $4,028-63.7% |
| Admin fee / account holder | $1,017 | $4,398-76.9% | $5,325-80.9% | $5,403-81.2% |