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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 | $19,833 | $27,632-28.2% | $61,452-67.7% | $68,486-71.0% |
| Participation rate | 71.3% | 39.5%+31.7pp | 52.6%+18.7pp | 67.9%+3.4pp |
| Annual return | -19.86% | -13.24%-6.6pp | 338.96%-358.8pp | -7.85%-12.0pp |
| Employer contribution / active EE | $1,596 | $696+129.4% | $1,160+37.6% | $2,597-38.5% |
| Participant deferral / active EE | $2,652 | $1,264+109.8% | $2,125+24.8% | $4,028-34.2% |
| Admin fee / account holder | $633 | $2,010-68.5% | $2,131-70.3% | $5,404-88.3% |