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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 | $9,992 | $93,124-89.3% | $77,100-87.0% | $134,545-92.6% |
| Participation rate | 94.1% | 74.5%+19.6pp | 67.9%+26.2pp | 81.2%+12.9pp |
| Annual return | -18.92% | 62.68%-81.6pp | 42.35%-61.3pp | 418.37%-437.3pp |
| Employer contribution / active EE | $1,801 | $3,421-47.4% | $2,815-36.0% | $4,742-62.0% |
| Participant deferral / active EE | $3,955 | $5,242-24.6% | $4,430-10.7% | $6,401-38.2% |
| Admin fee / account holder | $1,059 | $6,970-84.8% | $5,443-80.5% | $11,431-90.7% |