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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 | $35,917 | $92,743-61.3% | $82,744-56.6% | $134,532-73.3% |
| Participation rate | 81.8% | 75.2%+6.6pp | 72.6%+9.3pp | 81.2%+0.6pp |
| Annual return | -16.60% | 946.63%-963.2pp | 702.22%-718.8pp | 418.27%-434.9pp |
| Employer contribution / active EE | $1,084 | $3,273-66.9% | $3,008-64.0% | $4,741-77.1% |
| Participant deferral / active EE | $3,669 | $4,802-23.6% | $4,395-16.5% | $6,401-42.7% |
| Admin fee / account holder | $312 | $5,977-94.8% | $5,325-94.1% | $11,429-97.3% |