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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 | $182,032 | $104,106+74.9% | $71,086+156.1% | $135,379+34.5% |
| Participation rate | 80.0% | 65.7%+14.3pp | 54.7%+25.3pp | 82.6%-2.6pp |
| Annual return | -10.17% | 1256.30%-1266.5pp | 650.59%-660.8pp | 519.79%-530.0pp |
| Employer contribution / active EE | $3,665 | $1,485+146.8% | $1,088+236.9% | $4,779-23.3% |
| Participant deferral / active EE | $4,354 | $2,527+72.3% | $1,874+132.3% | $5,609-22.4% |
| Admin fee / account holder | $1,816 | $4,142-56.2% | $3,082-41.1% | $10,828-83.2% |