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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 | $21,784 | $90,320-75.9% | $59,496-63.4% | $125,389-82.6% |
| Participation rate | 77.8% | 68.3%+9.5pp | 54.6%+23.2pp | 83.2%-5.4pp |
| Annual return | -4.27% | 369.13%-373.4pp | 182.05%-186.3pp | 282.24%-286.5pp |
| Employer contribution / active EE | $1,501 | $1,792-16.2% | $1,153+30.1% | $4,866-69.2% |
| Participant deferral / active EE | $3,906 | $2,716+43.8% | $1,829+113.5% | $5,352-27.0% |
| Admin fee / account holder | $578 | $3,063-81.1% | $2,232-74.1% | $9,541-93.9% |