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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 | $13,190 | $27,632-52.3% | $61,452-78.5% | $68,486-80.7% |
| Participation rate | 85.9% | 39.5%+46.4pp | 52.6%+33.4pp | 67.9%+18.0pp |
| Annual return | -20.54% | -13.24%-7.3pp | 338.96%-359.5pp | -7.85%-12.7pp |
| Employer contribution / active EE | $1,087 | $696+56.3% | $1,160-6.2% | $2,597-58.1% |
| Participant deferral / active EE | $3,001 | $1,264+137.5% | $2,125+41.3% | $4,028-25.5% |
| Admin fee / account holder | $806 | $2,010-59.9% | $2,131-62.2% | $5,404-85.1% |