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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 | $48,281 | $88,585-45.5% | $69,884-30.9% | $134,532-64.1% |
| Participation rate | 94.4% | 74.9%+19.5pp | 70.5%+24.0pp | 81.2%+13.2pp |
| Annual return | -19.35% | 442.80%-462.2pp | 190.81%-210.2pp | 418.27%-437.6pp |
| Employer contribution / active EE | $2,663 | $3,235-17.7% | $2,560+4.0% | $4,741-43.8% |
| Participant deferral / active EE | $3,786 | $4,770-20.6% | $3,848-1.6% | $6,401-40.9% |
| Admin fee / account holder | $460 | $10,441-95.6% | $6,266-92.7% | $11,429-96.0% |