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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 | $15,668 | $84,464-81.4% | $61,399-74.5% | $134,509-88.4% |
| Participation rate | 94.4% | 62.2%+32.2pp | 52.6%+41.9pp | 81.2%+13.2pp |
| Annual return | -12.98% | 585.06%-598.0pp | 338.81%-351.8pp | 418.13%-431.1pp |
| Employer contribution / active EE | $0 | $1,545-100.0% | $1,159-100.0% | $4,741-100.0% |
| Participant deferral / active EE | $4,328 | $2,818+53.6% | $2,124+103.8% | $6,400-32.4% |
| Admin fee / account holder | $407 | $2,587-84.3% | $2,131-80.9% | $11,427-96.4% |