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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 | $8,903 | $84,551-89.5% | $61,452-85.5% | $134,532-93.4% |
| Participation rate | 71.4% | 62.2%+9.2pp | 52.6%+18.9pp | 81.2%-9.8pp |
| Annual return | -19.67% | 585.39%-605.1pp | 338.96%-358.6pp | 418.27%-437.9pp |
| Employer contribution / active EE | $1,494 | $1,545-3.3% | $1,160+28.8% | $4,741-68.5% |
| Participant deferral / active EE | $2,813 | $2,818-0.2% | $2,125+32.4% | $6,401-56.1% |
| Admin fee / account holder | $9,189 | $2,587+255.1% | $2,131+331.2% | $11,429-19.6% |