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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 | $13,098 | $93,124-85.9% | $77,100-83.0% | $134,545-90.3% |
| Participation rate | 100.0% | 74.5%+25.5pp | 67.9%+32.1pp | 81.2%+18.8pp |
| Annual return | -20.82% | 62.68%-83.5pp | 42.35%-63.2pp | 418.37%-439.2pp |
| Employer contribution / active EE | $3,673 | $3,421+7.4% | $2,815+30.5% | $4,742-22.5% |
| Participant deferral / active EE | $7,345 | $5,242+40.1% | $4,430+65.8% | $6,401+14.7% |
| Admin fee / account holder | $1,022 | $6,970-85.3% | $5,443-81.2% | $11,431-91.1% |