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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 | $22,456 | $152,597-85.3% | $117,533-80.9% | $134,532-83.3% |
| Participation rate | 94.4% | 77.1%+17.3pp | 70.6%+23.8pp | 81.2%+13.2pp |
| Annual return | -20.11% | 53.04%-73.1pp | 29.77%-49.9pp | 418.27%-438.4pp |
| Employer contribution / active EE | $712 | $5,576-87.2% | $4,179-83.0% | $4,741-85.0% |
| Participant deferral / active EE | $4,138 | $4,821-14.2% | $4,072+1.6% | $6,401-35.3% |
| Admin fee / account holder | $711 | $7,007-89.8% | $5,647-87.4% | $11,429-93.8% |