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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 | $19,652 | $45,152-56.5% | $73,845-73.4% | $59,632-67.0% |
| Participation rate | 84.8% | 64.0%+20.8pp | 73.4%+11.3pp | 68.7%+16.1pp |
| Annual return | -0.52% | 27.40%-27.9pp | 2267.91%-2268.4pp | 2041.32%-2041.8pp |
| Employer contribution / active EE | $639 | $1,902-66.4% | $2,788-77.1% | $2,203-71.0% |
| Participant deferral / active EE | $1,354 | $2,574-47.4% | $3,583-62.2% | $3,192-57.6% |
| Admin fee / account holder | $1,007 | $3,516-71.4% | $4,881-79.4% | $4,297-76.6% |