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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 | $32,028 | $180,462-82.3% | $154,111-79.2% | $135,379-76.3% |
| Participation rate | 76.5% | 87.4%-11.0pp | 83.0%-6.6pp | 82.6%-6.2pp |
| Annual return | -5.27% | 888.17%-893.4pp | 735.18%-740.4pp | 519.79%-525.1pp |
| Employer contribution / active EE | $2,364 | $6,036-60.8% | $5,298-55.4% | $4,779-50.5% |
| Participant deferral / active EE | $4,181 | $5,806-28.0% | $5,081-17.7% | $5,609-25.5% |
| Admin fee / account holder | $1,046 | $16,145-93.5% | $13,411-92.2% | $10,828-90.3% |