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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 | $61,880 | $95,979-35.5% | $74,551-17.0% | $135,380-54.3% |
| Participation rate | 78.3% | 75.7%+2.6pp | 69.1%+9.1pp | 82.6%-4.4pp |
| Annual return | -8.02% | 56.97%-65.0pp | 32.53%-40.6pp | 519.81%-527.8pp |
| Employer contribution / active EE | $1,222 | $2,716-55.0% | $1,961-37.7% | $4,779-74.4% |
| Participant deferral / active EE | $4,943 | $3,844+28.6% | $3,108+59.0% | $5,609-11.9% |
| Admin fee / account holder | $2,381 | $6,522-63.5% | $5,059-52.9% | $10,828-78.0% |