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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 | $22,409 | $92,743-75.8% | $82,744-72.9% | $134,532-83.3% |
| Participation rate | 85.7% | 75.2%+10.5pp | 72.6%+13.2pp | 81.2%+4.5pp |
| Annual return | -12.67% | 946.63%-959.3pp | 702.22%-714.9pp | 418.27%-430.9pp |
| Employer contribution / active EE | $1,249 | $3,273-61.8% | $3,008-58.5% | $4,741-73.7% |
| Participant deferral / active EE | $6,718 | $4,802+39.9% | $4,395+52.9% | $6,401+4.9% |
| Admin fee / account holder | $530 | $5,977-91.1% | $5,325-90.0% | $11,429-95.4% |