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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 | $23,961 | $133,981-82.1% | $112,249-78.7% | $134,532-82.2% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -13.27% | 47.16%-60.4pp | 27.48%-40.7pp | 418.27%-431.5pp |
| Employer contribution / active EE | $1,956 | $4,040-51.6% | $3,636-46.2% | $4,741-58.7% |
| Participant deferral / active EE | $3,390 | $5,292-35.9% | $4,729-28.3% | $6,401-47.0% |
| Admin fee / account holder | $2,495 | $7,492-66.7% | $6,412-61.1% | $11,429-78.2% |