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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 | $3,308 | $27,632-88.0% | $61,399-94.6% | $68,495-95.2% |
| Participation rate | 93.0% | 39.5%+53.5pp | 52.6%+40.5pp | 67.9%+25.1pp |
| Annual return | -16.39% | -13.24%-3.2pp | 338.81%-355.2pp | -7.84%-8.5pp |
| Employer contribution / active EE | $0 | $696-100.0% | $1,159-100.0% | $2,596-100.0% |
| Participant deferral / active EE | $2,353 | $1,264+86.2% | $2,124+10.8% | $4,028-41.6% |
| Admin fee / account holder | $608 | $2,010-69.8% | $2,131-71.5% | $5,403-88.7% |