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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 | $22,904 | $90,617-74.7% | $79,476-71.2% | $135,382-83.1% |
| Participation rate | 78.3% | 76.1%+2.2pp | 73.3%+4.9pp | 82.6%-4.4pp |
| Annual return | -9.65% | 977.57%-987.2pp | 718.21%-727.9pp | 519.77%-529.4pp |
| Employer contribution / active EE | $4,114 | $3,068+34.1% | $2,800+46.9% | $4,779-13.9% |
| Participant deferral / active EE | $6,008 | $4,050+48.3% | $3,704+62.2% | $5,609+7.1% |
| Admin fee / account holder | $2,820 | $5,907-52.3% | $5,113-44.9% | $10,829-74.0% |