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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 | $46,624 | $138,076-66.2% | $123,553-62.3% | $135,380-65.6% |
| Participation rate | 73.7% | 84.7%-11.1pp | 82.3%-8.6pp | 82.6%-9.0pp |
| Annual return | -2.25% | 153.70%-155.9pp | 119.21%-121.5pp | 519.81%-522.1pp |
| Employer contribution / active EE | $1,427 | $5,152-72.3% | $4,628-69.2% | $4,779-70.1% |
| Participant deferral / active EE | $3,747 | $6,800-44.9% | $6,426-41.7% | $5,609-33.2% |
| Admin fee / account holder | $1,077 | $10,917-90.1% | $9,284-88.4% | $10,828-90.1% |