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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 | $67,228 | $97,729-31.2% | $83,830-19.8% | $135,379-50.3% |
| Participation rate | 77.8% | 80.0%-2.2pp | 76.1%+1.6pp | 82.6%-4.9pp |
| Annual return | -3.75% | 1287.52%-1291.3pp | 850.97%-854.7pp | 519.79%-523.5pp |
| Employer contribution / active EE | $1,844 | $4,222-56.3% | $3,631-49.2% | $4,779-61.4% |
| Participant deferral / active EE | $5,157 | $4,683+10.1% | $4,082+26.3% | $5,609-8.1% |
| Admin fee / account holder | $466 | $6,674-93.0% | $5,479-91.5% | $10,828-95.7% |