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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 | $35,272 | $95,975-63.2% | $74,552-52.7% | $135,382-73.9% |
| Participation rate | 100.0% | 75.7%+24.3pp | 69.1%+30.9pp | 82.6%+17.4pp |
| Annual return | -6.82% | 56.96%-63.8pp | 32.53%-39.4pp | 519.77%-526.6pp |
| Employer contribution / active EE | $1,495 | $2,716-44.9% | $1,961-23.7% | $4,779-68.7% |
| Participant deferral / active EE | $3,430 | $3,844-10.8% | $3,108+10.3% | $5,609-38.9% |
| Admin fee / account holder | $885 | $6,522-86.4% | $5,060-82.5% | $10,829-91.8% |