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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 | $21,424 | $138,102-84.5% | $125,381-82.9% | $134,532-84.1% |
| Participation rate | 83.3% | 84.5%-1.2pp | 82.4%+1.0pp | 81.2%+2.1pp |
| Annual return | -14.09% | 750.73%-764.8pp | 572.31%-586.4pp | 418.27%-432.4pp |
| Employer contribution / active EE | $1,937 | $5,245-63.1% | $4,815-59.8% | $4,741-59.2% |
| Participant deferral / active EE | $3,226 | $7,801-58.6% | $7,448-56.7% | $6,401-49.6% |
| Admin fee / account holder | $321 | $11,568-97.2% | $10,007-96.8% | $11,429-97.2% |