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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 | $36,375 | $45,566-20.2% | $64,105-43.3% | $59,633-39.0% |
| Participation rate | 100.0% | 60.2%+39.8pp | 68.2%+31.8pp | 68.7%+31.3pp |
| Annual return | 0.21% | 4.95%-4.7pp | 791.24%-791.0pp | 2041.45%-2041.2pp |
| Employer contribution / active EE | $432 | $934-53.8% | $1,820-76.3% | $2,203-80.4% |
| Participant deferral / active EE | $2,369 | $2,057+15.2% | $2,822-16.0% | $3,192-25.8% |
| Admin fee / account holder | $3,744 | $3,268+14.6% | $4,499-16.8% | $4,297-12.9% |