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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 | $52,448 | $75,832-30.8% | $147,617-64.5% | $59,633-12.0% |
| Participation rate | 89.6% | 71.6%+18.0pp | 84.6%+5.0pp | 68.7%+20.9pp |
| Annual return | -0.52% | 0.37%-0.9pp | 61.98%-62.5pp | 2041.45%-2042.0pp |
| Employer contribution / active EE | $775 | $3,485-77.8% | $5,564-86.1% | $2,203-64.8% |
| Participant deferral / active EE | $5,529 | $3,131+76.6% | $4,895+12.9% | $3,192+73.2% |
| Admin fee / account holder | $501 | $5,986-91.6% | $11,612-95.7% | $4,297-88.3% |