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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 | $48,132 | $45,152+6.6% | $73,836-34.8% | $59,633-19.3% |
| Participation rate | 78.8% | 64.0%+14.8pp | 73.4%+5.3pp | 68.7%+10.1pp |
| Annual return | -0.27% | 27.40%-27.7pp | 2268.06%-2268.3pp | 2041.45%-2041.7pp |
| Employer contribution / active EE | $2,938 | $1,901+54.5% | $2,787+5.4% | $2,203+33.4% |
| Participant deferral / active EE | $1,500 | $2,573-41.7% | $3,583-58.1% | $3,192-53.0% |
| Admin fee / account holder | $679 | $3,515-80.7% | $4,882-86.1% | $4,297-84.2% |