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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 | $9,249 | $93,098-90.1% | $77,081-88.0% | $134,509-93.1% |
| Participation rate | 95.5% | 74.5%+21.0pp | 67.9%+27.5pp | 81.2%+14.2pp |
| Annual return | -20.66% | 62.63%-83.3pp | 42.33%-63.0pp | 418.13%-438.8pp |
| Employer contribution / active EE | $2,203 | $3,419-35.6% | $2,813-21.7% | $4,741-53.5% |
| Participant deferral / active EE | $2,754 | $5,239-47.4% | $4,428-37.8% | $6,400-57.0% |
| Admin fee / account holder | $587 | $6,945-91.6% | $5,427-89.2% | $11,427-94.9% |