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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 | $42,691 | $67,396-36.7% | $60,919-29.9% | $134,545-68.3% |
| Participation rate | 71.4% | 76.2%-4.8pp | 73.1%-1.7pp | 81.2%-9.8pp |
| Annual return | -18.13% | 50.12%-68.3pp | 16.96%-35.1pp | 418.37%-436.5pp |
| Employer contribution / active EE | $4,410 | $3,101+42.2% | $2,704+63.1% | $4,742-7.0% |
| Participant deferral / active EE | $4,459 | $4,534-1.7% | $3,814+16.9% | $6,401-30.3% |
| Admin fee / account holder | $390 | $4,590-91.5% | $3,228-87.9% | $11,431-96.6% |