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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 | $5,846 | $27,632-78.8% | $61,452-90.5% | $68,486-91.5% |
| Participation rate | 77.4% | 39.5%+37.9pp | 52.6%+24.8pp | 67.9%+9.5pp |
| Annual return | 5.69% | -13.24%+18.9pp | 338.96%-333.3pp | -7.85%+13.5pp |
| Employer contribution / active EE | $1,149 | $696+65.2% | $1,160-0.9% | $2,597-55.7% |
| Participant deferral / active EE | $2,113 | $1,264+67.2% | $2,125-0.6% | $4,028-47.5% |
| Admin fee / account holder | $584 | $2,010-70.9% | $2,131-72.6% | $5,404-89.2% |