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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 | $37,183 | $135,645-72.6% | $110,243-66.3% | $135,380-72.5% |
| Participation rate | 75.0% | 83.5%-8.5pp | 79.8%-4.8pp | 82.6%-7.6pp |
| Annual return | -7.97% | 513.24%-521.2pp | 314.76%-322.7pp | 519.81%-527.8pp |
| Employer contribution / active EE | $2,279 | $4,907-53.6% | $3,827-40.4% | $4,779-52.3% |
| Participant deferral / active EE | $6,635 | $5,507+20.5% | $4,672+42.0% | $5,609+18.3% |
| Admin fee / account holder | $3,132 | $11,458-72.7% | $8,548-63.4% | $10,828-71.1% |