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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 | $31,736 | $82,674-61.6% | $125,381-74.7% | $68,486-53.7% |
| Participation rate | 100.0% | 75.1%+24.9pp | 82.4%+17.6pp | 67.9%+32.1pp |
| Annual return | -8.45% | -5.97%-2.5pp | 572.31%-580.8pp | -7.85%-0.6pp |
| Employer contribution / active EE | $2,696 | $3,382-20.3% | $4,815-44.0% | $2,597+3.8% |
| Participant deferral / active EE | $7,036 | $6,111+15.1% | $7,448-5.5% | $4,028+74.7% |
| Admin fee / account holder | $959 | $6,277-84.7% | $10,007-90.4% | $5,404-82.3% |