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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 | $39,150 | $75,962-48.5% | $154,111-74.6% | $64,173-39.0% |
| Participation rate | 80.0% | 70.4%+9.6pp | 83.0%-3.0pp | 69.6%+10.4pp |
| Annual return | -4.57% | 30.32%-34.9pp | 735.18%-739.7pp | 7.63%-12.2pp |
| Employer contribution / active EE | $1,448 | $3,350-56.8% | $5,298-72.7% | $2,381-39.2% |
| Participant deferral / active EE | $2,401 | $3,175-24.4% | $5,081-52.7% | $3,470-30.8% |
| Admin fee / account holder | $426 | $5,589-92.4% | $13,411-96.8% | $4,887-91.3% |