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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 | $57,278 | $84,551-32.3% | $61,452-6.8% | $134,532-57.4% |
| Participation rate | 100.0% | 62.2%+37.8pp | 52.6%+47.4pp | 81.2%+18.8pp |
| Annual return | -20.30% | 585.39%-605.7pp | 338.96%-359.3pp | 418.27%-438.6pp |
| Employer contribution / active EE | $1,187 | $1,545-23.1% | $1,160+2.4% | $4,741-75.0% |
| Participant deferral / active EE | $3,206 | $2,818+13.7% | $2,125+50.9% | $6,401-49.9% |
| Admin fee / account holder | $770 | $2,587-70.2% | $2,131-63.9% | $11,429-93.3% |