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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 | $42,405 | $95,979-55.8% | $74,551-43.1% | $135,380-68.7% |
| Participation rate | 100.0% | 75.7%+24.3pp | 69.1%+30.9pp | 82.6%+17.4pp |
| Annual return | -5.77% | 56.97%-62.7pp | 32.53%-38.3pp | 519.81%-525.6pp |
| Employer contribution / active EE | $3,954 | $2,716+45.6% | $1,961+101.6% | $4,779-17.3% |
| Participant deferral / active EE | $4,788 | $3,844+24.6% | $3,108+54.0% | $5,609-14.6% |
| Admin fee / account holder | $1,750 | $6,522-73.2% | $5,059-65.4% | $10,828-83.8% |