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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 | $82,041 | $95,979-14.5% | $74,551+10.0% | $135,380-39.4% |
| Participation rate | 100.0% | 75.7%+24.3pp | 69.1%+30.9pp | 82.6%+17.4pp |
| Annual return | -7.88% | 56.97%-64.8pp | 32.53%-40.4pp | 519.81%-527.7pp |
| Employer contribution / active EE | $4,426 | $2,716+62.9% | $1,961+125.7% | $4,779-7.4% |
| Participant deferral / active EE | $4,284 | $3,844+11.4% | $3,108+37.8% | $5,609-23.6% |
| Admin fee / account holder | $2,175 | $6,522-66.7% | $5,059-57.0% | $10,828-79.9% |