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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 | $32,900 | $90,607-63.7% | $79,467-58.6% | $135,380-75.7% |
| Participation rate | 85.7% | 76.0%+9.7pp | 73.3%+12.4pp | 82.6%+3.1pp |
| Annual return | -9.50% | 977.74%-987.2pp | 718.30%-727.8pp | 519.81%-529.3pp |
| Employer contribution / active EE | $1,987 | $3,068-35.2% | $2,800-29.0% | $4,779-58.4% |
| Participant deferral / active EE | $7,640 | $4,050+88.6% | $3,704+106.3% | $5,609+36.2% |
| Admin fee / account holder | $622 | $5,895-89.5% | $5,104-87.8% | $10,828-94.3% |