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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 | $46,182 | $138,114-66.6% | $125,391-63.2% | $134,545-65.7% |
| Participation rate | 94.7% | 84.5%+10.2pp | 82.4%+12.4pp | 81.2%+13.5pp |
| Annual return | -16.46% | 750.88%-767.3pp | 572.41%-588.9pp | 418.37%-434.8pp |
| Employer contribution / active EE | $2,354 | $5,246-55.1% | $4,816-51.1% | $4,742-50.3% |
| Participant deferral / active EE | $8,533 | $7,801+9.4% | $7,448+14.6% | $6,401+33.3% |
| Admin fee / account holder | $721 | $11,570-93.8% | $10,009-92.8% | $11,431-93.7% |