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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 | $34,444 | $27,639+24.6% | $61,501-44.0% | $68,490-49.7% |
| Participation rate | 93.1% | 39.5%+53.6pp | 52.6%+40.5pp | 67.9%+25.2pp |
| Annual return | -18.04% | -13.19%-4.8pp | 339.04%-357.1pp | -7.85%-10.2pp |
| Employer contribution / active EE | $3,215 | $696+361.9% | $1,160+177.2% | $2,597+23.8% |
| Participant deferral / active EE | $3,181 | $1,264+151.7% | $2,125+49.7% | $4,028-21.0% |
| Admin fee / account holder | $908 | $2,012-54.9% | $2,132-57.4% | $5,403-83.2% |