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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 | $62,836 | $92,766-32.3% | $82,763-24.1% | $134,545-53.3% |
| Participation rate | 80.0% | 75.2%+4.8pp | 72.6%+7.4pp | 81.2%-1.2pp |
| Annual return | -17.07% | 946.97%-964.0pp | 702.45%-719.5pp | 418.37%-435.4pp |
| Employer contribution / active EE | $1,059 | $3,273-67.6% | $3,008-64.8% | $4,742-77.7% |
| Participant deferral / active EE | $1,645 | $4,802-65.8% | $4,395-62.6% | $6,401-74.3% |
| Admin fee / account holder | $2,895 | $5,978-51.6% | $5,325-45.6% | $11,431-74.7% |