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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 | $44,438 | $54,355-18.2% | $82,744-46.3% | $68,486-35.1% |
| Participation rate | 98.9% | 63.9%+34.9pp | 72.6%+26.3pp | 67.9%+31.0pp |
| Annual return | -14.88% | -13.67%-1.2pp | 702.22%-717.1pp | -7.85%-7.0pp |
| Employer contribution / active EE | $4,495 | $2,219+102.6% | $3,008+49.4% | $2,597+73.1% |
| Participant deferral / active EE | $7,412 | $3,246+128.3% | $4,395+68.7% | $4,028+84.0% |
| Admin fee / account holder | $1,189 | $4,397-73.0% | $5,325-77.7% | $5,404-78.0% |