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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 | $78,212 | $106,551-26.6% | $91,225-14.3% | $134,532-41.9% |
| Participation rate | 70.0% | 76.8%-6.8pp | 73.2%-3.2pp | 81.2%-11.2pp |
| Annual return | -12.53% | 160.78%-173.3pp | 114.12%-126.7pp | 418.27%-430.8pp |
| Employer contribution / active EE | $2,222 | $3,331-33.3% | $2,851-22.1% | $4,741-53.1% |
| Participant deferral / active EE | $4,425 | $4,718-6.2% | $4,233+4.5% | $6,401-30.9% |
| Admin fee / account holder | $20,461 | $6,234+228.2% | $5,422+277.3% | $11,429+79.0% |