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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 | $17,661 | $88,596-80.1% | $70,098-74.8% | $134,509-86.9% |
| Participation rate | 77.8% | 74.9%+2.8pp | 70.5%+7.3pp | 81.2%-3.5pp |
| Annual return | -13.90% | 442.67%-456.6pp | 190.76%-204.7pp | 418.13%-432.0pp |
| Employer contribution / active EE | $416 | $3,235-87.2% | $2,560-83.8% | $4,741-91.2% |
| Participant deferral / active EE | $1,835 | $4,772-61.5% | $3,849-52.3% | $6,400-71.3% |
| Admin fee / account holder | $2,719 | $10,441-74.0% | $6,266-56.6% | $11,427-76.2% |