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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 | $35,883 | $52,519-31.7% | $155,789-77.0% | $59,633-39.8% |
| Participation rate | 86.4% | 61.7%+24.7pp | 76.1%+10.3pp | 68.7%+17.8pp |
| Annual return | -0.48% | 53.51%-54.0pp | 71.54%-72.0pp | 2041.45%-2041.9pp |
| Employer contribution / active EE | $1,378 | $1,589-13.3% | $3,839-64.1% | $2,203-37.5% |
| Participant deferral / active EE | $4,088 | $3,084+32.5% | $4,798-14.8% | $3,192+28.1% |
| Admin fee / account holder | $12,795 | $3,540+261.4% | $7,477+71.1% | $4,297+197.8% |