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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 | $61,843 | $84,551-26.9% | $61,452+0.6% | $134,532-54.0% |
| Participation rate | 92.9% | 62.2%+30.7pp | 52.6%+40.3pp | 81.2%+11.6pp |
| Annual return | -20.14% | 585.39%-605.5pp | 338.96%-359.1pp | 418.27%-438.4pp |
| Employer contribution / active EE | $3,093 | $1,545+100.2% | $1,160+166.7% | $4,741-34.8% |
| Participant deferral / active EE | $8,260 | $2,818+193.1% | $2,125+288.8% | $6,401+29.0% |
| Admin fee / account holder | $1,380 | $2,587-46.7% | $2,131-35.2% | $11,429-87.9% |