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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 | $22,894 | $97,729-76.6% | $83,830-72.7% | $135,379-83.1% |
| Participation rate | 85.7% | 80.0%+5.8pp | 76.1%+9.6pp | 82.6%+3.1pp |
| Annual return | -2.78% | 1287.52%-1290.3pp | 850.97%-853.8pp | 519.79%-522.6pp |
| Employer contribution / active EE | $1,917 | $4,222-54.6% | $3,631-47.2% | $4,779-59.9% |
| Participant deferral / active EE | $4,587 | $4,683-2.1% | $4,082+12.4% | $5,609-18.2% |
| Admin fee / account holder | $1,320 | $6,674-80.2% | $5,479-75.9% | $10,828-87.8% |