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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 | $27,363 | $135,639-79.8% | $110,241-75.2% | $135,382-79.8% |
| Participation rate | 94.7% | 83.5%+11.3pp | 79.8%+14.9pp | 82.6%+12.1pp |
| Annual return | -4.73% | 513.21%-517.9pp | 314.75%-319.5pp | 519.77%-524.5pp |
| Employer contribution / active EE | $2,936 | $4,907-40.2% | $3,827-23.3% | $4,779-38.6% |
| Participant deferral / active EE | $7,695 | $5,507+39.7% | $4,672+64.7% | $5,609+37.2% |
| Admin fee / account holder | $3,543 | $11,457-69.1% | $8,548-58.6% | $10,829-67.3% |