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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 | $30,824 | $67,372-54.2% | $60,906-49.4% | $134,532-77.1% |
| Participation rate | 70.0% | 76.2%-6.2pp | 73.1%-3.1pp | 81.2%-11.2pp |
| Annual return | -17.54% | 50.05%-67.6pp | 16.94%-34.5pp | 418.27%-435.8pp |
| Employer contribution / active EE | $3,873 | $3,099+24.9% | $2,703+43.3% | $4,741-18.3% |
| Participant deferral / active EE | $4,629 | $4,532+2.1% | $3,814+21.4% | $6,401-27.7% |
| Admin fee / account holder | $985 | $4,588-78.5% | $3,227-69.5% | $11,429-91.4% |