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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 | $27,704 | $93,124-70.3% | $77,100-64.1% | $134,545-79.4% |
| Participation rate | 86.4% | 74.5%+11.9pp | 67.9%+18.4pp | 81.2%+5.1pp |
| Annual return | -16.19% | 62.68%-78.9pp | 42.35%-58.5pp | 418.37%-434.6pp |
| Employer contribution / active EE | $2,228 | $3,421-34.9% | $2,815-20.9% | $4,742-53.0% |
| Participant deferral / active EE | $2,749 | $5,242-47.6% | $4,430-37.9% | $6,401-57.1% |
| Admin fee / account holder | $1,538 | $6,970-77.9% | $5,443-71.7% | $11,431-86.5% |