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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 | $48,408 | $48,274+0.3% | $63,244-23.5% | $59,633-18.8% |
| Participation rate | 96.0% | 66.3%+29.7pp | 71.0%+25.0pp | 68.7%+27.3pp |
| Annual return | -1.69% | -240.79%+239.1pp | -70.31%+68.6pp | 2041.45%-2043.1pp |
| Employer contribution / active EE | $1,171 | $1,586-26.2% | $2,322-49.6% | $2,203-46.8% |
| Participant deferral / active EE | $3,063 | $2,343+30.7% | $2,953+3.7% | $3,192-4.0% |
| Admin fee / account holder | $4,919 | $3,600+36.6% | $5,893-16.5% | $4,297+14.5% |