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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 | $77,353 | $152,597-49.3% | $117,533-34.2% | $134,532-42.5% |
| Participation rate | 88.9% | 77.1%+11.8pp | 70.6%+18.3pp | 81.2%+7.7pp |
| Annual return | -14.29% | 53.04%-67.3pp | 29.77%-44.1pp | 418.27%-432.6pp |
| Employer contribution / active EE | $759 | $5,576-86.4% | $4,179-81.8% | $4,741-84.0% |
| Participant deferral / active EE | $759 | $4,821-84.3% | $4,072-81.4% | $6,401-88.1% |
| Admin fee / account holder | $752 | $7,007-89.3% | $5,647-86.7% | $11,429-93.4% |