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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 | $54,378 | $138,072-60.6% | $123,549-56.0% | $135,382-59.8% |
| Participation rate | 95.0% | 84.7%+10.3pp | 82.3%+12.7pp | 82.6%+12.4pp |
| Annual return | -7.08% | 153.69%-160.8pp | 119.20%-126.3pp | 519.77%-526.8pp |
| Employer contribution / active EE | $3,309 | $5,152-35.8% | $4,628-28.5% | $4,779-30.8% |
| Participant deferral / active EE | $4,910 | $6,799-27.8% | $6,426-23.6% | $5,609-12.5% |
| Admin fee / account holder | $1,371 | $10,917-87.4% | $9,284-85.2% | $10,829-87.3% |