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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 | $78,591 | $93,098-15.6% | $77,081+2.0% | $134,509-41.6% |
| Participation rate | 100.0% | 74.5%+25.5pp | 67.9%+32.1pp | 81.2%+18.8pp |
| Annual return | -19.68% | 62.63%-82.3pp | 42.33%-62.0pp | 418.13%-437.8pp |
| Employer contribution / active EE | $2,332 | $3,419-31.8% | $2,813-17.1% | $4,741-50.8% |
| Participant deferral / active EE | $3,934 | $5,239-24.9% | $4,428-11.2% | $6,400-38.5% |
| Admin fee / account holder | $742 | $6,945-89.3% | $5,427-86.3% | $11,427-93.5% |