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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 | $22,404 | $84,551-73.5% | $61,452-63.5% | $134,532-83.3% |
| Participation rate | 71.4% | 62.2%+9.2pp | 52.6%+18.9pp | 81.2%-9.8pp |
| Annual return | -7.43% | 585.39%-592.8pp | 338.96%-346.4pp | 418.27%-425.7pp |
| Employer contribution / active EE | $459 | $1,545-70.3% | $1,160-60.4% | $4,741-90.3% |
| Participant deferral / active EE | $3,493 | $2,818+23.9% | $2,125+64.4% | $6,401-45.4% |
| Admin fee / account holder | $757 | $2,587-70.7% | $2,131-64.5% | $11,429-93.4% |