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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 | $44,666 | $138,076-67.7% | $123,553-63.8% | $135,380-67.0% |
| Participation rate | 90.9% | 84.7%+6.2pp | 82.3%+8.6pp | 82.6%+8.3pp |
| Annual return | -8.60% | 153.70%-162.3pp | 119.21%-127.8pp | 519.81%-528.4pp |
| Employer contribution / active EE | $1,587 | $5,152-69.2% | $4,628-65.7% | $4,779-66.8% |
| Participant deferral / active EE | $4,823 | $6,800-29.1% | $6,426-24.9% | $5,609-14.0% |
| Admin fee / account holder | $2,946 | $10,917-73.0% | $9,284-68.3% | $10,828-72.8% |