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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 | $11,926 | $27,639-56.8% | $61,501-80.6% | $68,490-82.6% |
| Participation rate | 82.2% | 39.5%+42.7pp | 52.6%+29.6pp | 67.9%+14.3pp |
| Annual return | -16.68% | -13.19%-3.5pp | 339.04%-355.7pp | -7.85%-8.8pp |
| Employer contribution / active EE | $1,564 | $696+124.7% | $1,160+34.9% | $2,597-39.8% |
| Participant deferral / active EE | $3,571 | $1,264+182.6% | $2,125+68.1% | $4,028-11.4% |
| Admin fee / account holder | $573 | $2,012-71.5% | $2,132-73.1% | $5,403-89.4% |