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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 | $17,994 | $23,330-22.9% | $64,489-72.1% | $82,448-78.2% |
| Participation rate | 76.9% | 68.3%+8.6pp | 67.7%+9.2pp | 68.1%+8.9pp |
| Annual return | 0.00% | 83.66%-83.7pp | 55.03%-55.0pp | 41.64%-41.6pp |
| Employer contribution / active EE | $1,180 | $824+43.2% | $1,523-22.5% | $2,551-53.7% |
| Participant deferral / active EE | $2,378 | $1,707+39.3% | $2,778-14.4% | $4,139-42.6% |
| Admin fee / account holder | $2,977 | $2,946+1.1% | $4,260-30.1% | $7,234-58.9% |