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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 | $29,230 | $138,076-78.8% | $123,553-76.3% | $135,380-78.4% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -6.25% | 153.70%-160.0pp | 119.21%-125.5pp | 519.81%-526.1pp |
| Employer contribution / active EE | $3,472 | $5,152-32.6% | $4,628-25.0% | $4,779-27.3% |
| Participant deferral / active EE | $14,650 | $6,800+115.5% | $6,426+128.0% | $5,609+161.2% |
| Admin fee / account holder | $4,942 | $10,917-54.7% | $9,284-46.8% | $10,828-54.4% |