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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 | $79,789 | $92,766-14.0% | $82,763-3.6% | $134,545-40.7% |
| Participation rate | 73.3% | 75.2%-1.9pp | 72.6%+0.8pp | 81.2%-7.9pp |
| Annual return | -11.64% | 946.97%-958.6pp | 702.45%-714.1pp | 418.37%-430.0pp |
| Employer contribution / active EE | $2,881 | $3,273-12.0% | $3,008-4.2% | $4,742-39.2% |
| Participant deferral / active EE | $7,881 | $4,802+64.1% | $4,395+79.3% | $6,401+23.1% |
| Admin fee / account holder | $6,420 | $5,978+7.4% | $5,325+20.6% | $11,431-43.8% |