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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 | $41,665 | $56,197-25.9% | $67,652-38.4% | $59,633-30.1% |
| Participation rate | 78.8% | 71.5%+7.3pp | 75.7%+3.1pp | 68.7%+10.1pp |
| Annual return | -0.77% | 18508.10%-18508.9pp | 6625.40%-6626.2pp | 2041.45%-2042.2pp |
| Employer contribution / active EE | $0 | $1,615-100.0% | $2,266-100.0% | $2,203-100.0% |
| Participant deferral / active EE | $3,494 | $2,844+22.9% | $3,560-1.9% | $3,192+9.5% |
| Admin fee / account holder | $878 | $3,958-77.8% | $4,821-81.8% | $4,297-79.6% |