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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 | $53,658 | $88,585-39.4% | $69,884-23.2% | $134,532-60.1% |
| Participation rate | 83.3% | 74.9%+8.4pp | 70.5%+12.9pp | 81.2%+2.1pp |
| Annual return | -17.33% | 442.80%-460.1pp | 190.81%-208.1pp | 418.27%-435.6pp |
| Employer contribution / active EE | $4,163 | $3,235+28.7% | $2,560+62.6% | $4,741-12.2% |
| Participant deferral / active EE | $4,442 | $4,770-6.9% | $3,848+15.4% | $6,401-30.6% |
| Admin fee / account holder | $469 | $10,441-95.5% | $6,266-92.5% | $11,429-95.9% |