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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 | $61,236 | $93,098-34.2% | $77,081-20.6% | $134,509-54.5% |
| Participation rate | 100.0% | 74.5%+25.5pp | 67.9%+32.1pp | 81.2%+18.8pp |
| Annual return | -17.99% | 62.63%-80.6pp | 42.33%-60.3pp | 418.13%-436.1pp |
| Employer contribution / active EE | $3,852 | $3,419+12.7% | $2,813+36.9% | $4,741-18.7% |
| Participant deferral / active EE | $14,338 | $5,239+173.6% | $4,428+223.8% | $6,400+124.0% |
| Admin fee / account holder | $310 | $6,945-95.5% | $5,427-94.3% | $11,427-97.3% |