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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 | $25,182 | $104,106-75.8% | $71,086-64.6% | $135,382-81.4% |
| Participation rate | 77.8% | 65.7%+12.1pp | 54.7%+23.1pp | 82.6%-4.9pp |
| Annual return | -8.90% | 1256.30%-1265.2pp | 650.59%-659.5pp | 519.77%-528.7pp |
| Employer contribution / active EE | $1,165 | $1,485-21.5% | $1,088+7.1% | $4,779-75.6% |
| Participant deferral / active EE | $3,074 | $2,527+21.6% | $1,874+64.0% | $5,609-45.2% |
| Admin fee / account holder | $2,024 | $4,142-51.1% | $3,082-34.3% | $10,829-81.3% |