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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 | $65,115 | $90,607-28.1% | $79,467-18.1% | $135,380-51.9% |
| Participation rate | 78.9% | 76.0%+2.9pp | 73.3%+5.6pp | 82.6%-3.7pp |
| Annual return | -7.77% | 977.74%-985.5pp | 718.30%-726.1pp | 519.81%-527.6pp |
| Employer contribution / active EE | $1,767 | $3,068-42.4% | $2,800-36.9% | $4,779-63.0% |
| Participant deferral / active EE | $3,061 | $4,050-24.4% | $3,704-17.4% | $5,609-45.4% |
| Admin fee / account holder | $851 | $5,895-85.6% | $5,104-83.3% | $10,828-92.1% |