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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 | $61,967 | $168,635-63.3% | $147,617-58.0% | $125,389-50.6% |
| Participation rate | 83.3% | 88.8%-5.4pp | 84.6%-1.3pp | 83.2%+0.1pp |
| Annual return | -1.28% | 77.65%-78.9pp | 61.98%-63.3pp | 282.24%-283.5pp |
| Employer contribution / active EE | $1,566 | $6,252-75.0% | $5,564-71.9% | $4,866-67.8% |
| Participant deferral / active EE | $5,217 | $5,507-5.3% | $4,895+6.6% | $5,352-2.5% |
| Admin fee / account holder | $435 | $13,580-96.8% | $11,612-96.3% | $9,541-95.4% |