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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 | $21,694 | $106,557-79.6% | $91,227-76.2% | $134,545-83.9% |
| Participation rate | 75.0% | 76.8%-1.8pp | 73.2%+1.8pp | 81.2%-6.2pp |
| Annual return | -14.98% | 160.81%-175.8pp | 114.14%-129.1pp | 418.37%-433.4pp |
| Employer contribution / active EE | $1,615 | $3,332-51.5% | $2,851-43.3% | $4,742-65.9% |
| Participant deferral / active EE | $4,322 | $4,719-8.4% | $4,234+2.1% | $6,401-32.5% |
| Admin fee / account holder | $461 | $6,235-92.6% | $5,423-91.5% | $11,431-96.0% |