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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 | $38,697 | $75,962-49.1% | $154,108-74.9% | $64,173-39.7% |
| Participation rate | 89.3% | 70.4%+18.9pp | 83.0%+6.2pp | 69.6%+19.7pp |
| Annual return | -3.60% | 30.32%-33.9pp | 735.21%-738.8pp | 7.63%-11.2pp |
| Employer contribution / active EE | $583 | $3,350-82.6% | $5,298-89.0% | $2,381-75.5% |
| Participant deferral / active EE | $1,446 | $3,175-54.5% | $5,081-71.5% | $3,470-58.3% |
| Admin fee / account holder | $5,832 | $5,589+4.3% | $13,411-56.5% | $4,887+19.3% |