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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 | $25,704 | $75,962-66.2% | $154,108-83.3% | $64,173-59.9% |
| Participation rate | 73.3% | 70.4%+2.9pp | 83.0%-9.7pp | 69.6%+3.8pp |
| Annual return | -4.70% | 30.32%-35.0pp | 735.21%-739.9pp | 7.63%-12.3pp |
| Employer contribution / active EE | $803 | $3,350-76.0% | $5,298-84.8% | $2,381-66.3% |
| Participant deferral / active EE | $1,721 | $3,175-45.8% | $5,081-66.1% | $3,470-50.4% |
| Admin fee / account holder | $623 | $5,589-88.9% | $13,411-95.4% | $4,887-87.3% |