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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 | $46,823 | $168,635-72.2% | $147,617-68.3% | $125,389-62.7% |
| Participation rate | 70.6% | 88.8%-18.2pp | 84.6%-14.0pp | 83.2%-12.6pp |
| Annual return | -3.34% | 77.65%-81.0pp | 61.98%-65.3pp | 282.24%-285.6pp |
| Employer contribution / active EE | $2,398 | $6,252-61.6% | $5,564-56.9% | $4,866-50.7% |
| Participant deferral / active EE | $4,380 | $5,507-20.5% | $4,895-10.5% | $5,352-18.2% |
| Admin fee / account holder | $12,205 | $13,580-10.1% | $11,612+5.1% | $9,541+27.9% |