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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 | $58,140 | $106,551-45.4% | $91,225-36.3% | $134,532-56.8% |
| Participation rate | 80.0% | 76.8%+3.2pp | 73.2%+6.8pp | 81.2%-1.2pp |
| Annual return | -14.79% | 160.78%-175.6pp | 114.12%-128.9pp | 418.27%-433.1pp |
| Employer contribution / active EE | $1,210 | $3,331-63.7% | $2,851-57.6% | $4,741-74.5% |
| Participant deferral / active EE | $8,069 | $4,718+71.0% | $4,233+90.6% | $6,401+26.1% |
| Admin fee / account holder | $660 | $6,234-89.4% | $5,422-87.8% | $11,429-94.2% |