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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 | $38,426 | $45,566-15.7% | $64,105-40.1% | $59,633-35.6% |
| Participation rate | 81.6% | 60.2%+21.5pp | 68.2%+13.5pp | 68.7%+13.0pp |
| Annual return | -1.79% | 4.95%-6.7pp | 791.24%-793.0pp | 2041.45%-2043.2pp |
| Employer contribution / active EE | $1,593 | $934+70.5% | $1,820-12.5% | $2,203-27.7% |
| Participant deferral / active EE | $4,566 | $2,057+122.0% | $2,822+61.8% | $3,192+43.1% |
| Admin fee / account holder | $823 | $3,268-74.8% | $4,499-81.7% | $4,297-80.8% |