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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 | $21,178 | $138,102-84.7% | $125,381-83.1% | $134,532-84.3% |
| Participation rate | 90.0% | 84.5%+5.5pp | 82.4%+7.6pp | 81.2%+8.8pp |
| Annual return | -16.30% | 750.73%-767.0pp | 572.31%-588.6pp | 418.27%-434.6pp |
| Employer contribution / active EE | $3,097 | $5,245-41.0% | $4,815-35.7% | $4,741-34.7% |
| Participant deferral / active EE | $7,123 | $7,801-8.7% | $7,448-4.4% | $6,401+11.3% |
| Admin fee / account holder | $786 | $11,568-93.2% | $10,007-92.1% | $11,429-93.1% |