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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 | $83,945 | $95,979-12.5% | $74,551+12.6% | $135,380-38.0% |
| Participation rate | 100.0% | 75.7%+24.3pp | 69.1%+30.9pp | 82.6%+17.4pp |
| Annual return | -6.20% | 56.97%-63.2pp | 32.53%-38.7pp | 519.81%-526.0pp |
| Employer contribution / active EE | $2,396 | $2,716-11.8% | $1,961+22.2% | $4,779-49.9% |
| Participant deferral / active EE | $14,283 | $3,844+271.6% | $3,108+359.5% | $5,609+154.6% |
| Admin fee / account holder | $711 | $6,522-89.1% | $5,059-85.9% | $10,828-93.4% |