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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 | $44,060 | $67,396-34.6% | $60,919-27.7% | $134,545-67.3% |
| Participation rate | 93.8% | 76.2%+17.6pp | 73.1%+20.6pp | 81.2%+12.5pp |
| Annual return | -10.89% | 50.12%-61.0pp | 16.96%-27.9pp | 418.37%-429.3pp |
| Employer contribution / active EE | $1,174 | $3,101-62.2% | $2,704-56.6% | $4,742-75.2% |
| Participant deferral / active EE | $5,713 | $4,534+26.0% | $3,814+49.8% | $6,401-10.7% |
| Admin fee / account holder | $602 | $4,590-86.9% | $3,228-81.4% | $11,431-94.7% |