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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 | $83,499 | $106,557-21.6% | $91,227-8.5% | $134,545-37.9% |
| Participation rate | 95.7% | 76.8%+18.9pp | 73.2%+22.5pp | 81.2%+14.4pp |
| Annual return | -10.95% | 160.81%-171.8pp | 114.14%-125.1pp | 418.37%-429.3pp |
| Employer contribution / active EE | $14,500 | $3,332+335.2% | $2,851+408.6% | $4,742+205.8% |
| Participant deferral / active EE | $4,942 | $4,719+4.7% | $4,234+16.7% | $6,401-22.8% |
| Admin fee / account holder | $4,322 | $6,235-30.7% | $5,423-20.3% | $11,431-62.2% |