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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 | $8,137 | $84,551-90.4% | $61,452-86.8% | $134,532-94.0% |
| Participation rate | 100.0% | 62.2%+37.8pp | 52.6%+47.4pp | 81.2%+18.8pp |
| Annual return | -17.06% | 585.39%-602.5pp | 338.96%-356.0pp | 418.27%-435.3pp |
| Employer contribution / active EE | $1,757 | $1,545+13.7% | $1,160+51.5% | $4,741-62.9% |
| Participant deferral / active EE | $2,321 | $2,818-17.7% | $2,125+9.2% | $6,401-63.7% |
| Admin fee / account holder | $654 | $2,587-74.7% | $2,131-69.3% | $11,429-94.3% |