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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 | $13,940 | $88,585-84.3% | $69,884-80.1% | $134,532-89.6% |
| Participation rate | 73.7% | 74.9%-1.2pp | 70.5%+3.2pp | 81.2%-7.5pp |
| Annual return | -15.69% | 442.80%-458.5pp | 190.81%-206.5pp | 418.27%-434.0pp |
| Employer contribution / active EE | $0 | $3,235-100.0% | $2,560-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $4,364 | $4,770-8.5% | $3,848+13.4% | $6,401-31.8% |
| Admin fee / account holder | $957 | $10,441-90.8% | $6,266-84.7% | $11,429-91.6% |