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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 | $54,987 | $168,635-67.4% | $147,617-62.8% | $125,389-56.1% |
| Participation rate | 83.3% | 88.8%-5.4pp | 84.6%-1.3pp | 83.2%+0.1pp |
| Annual return | -2.43% | 77.65%-80.1pp | 61.98%-64.4pp | 282.24%-284.7pp |
| Employer contribution / active EE | $2,365 | $6,252-62.2% | $5,564-57.5% | $4,866-51.4% |
| Participant deferral / active EE | $4,745 | $5,507-13.8% | $4,895-3.1% | $5,352-11.3% |
| Admin fee / account holder | $364 | $13,580-97.3% | $11,612-96.9% | $9,541-96.2% |