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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 | $49,003 | $138,072-64.5% | $123,549-60.3% | $135,382-63.8% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -4.40% | 153.69%-158.1pp | 119.20%-123.6pp | 519.77%-524.2pp |
| Employer contribution / active EE | $2,821 | $5,152-45.2% | $4,628-39.0% | $4,779-41.0% |
| Participant deferral / active EE | $14,072 | $6,799+107.0% | $6,426+119.0% | $5,609+150.9% |
| Admin fee / account holder | $561 | $10,917-94.9% | $9,284-94.0% | $10,829-94.8% |