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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 | $81,994 | $75,832+8.1% | $147,617-44.5% | $59,633+37.5% |
| Participation rate | 100.0% | 71.6%+28.4pp | 84.6%+15.4pp | 68.7%+31.3pp |
| Annual return | -0.12% | 0.37%-0.5pp | 61.98%-62.1pp | 2041.45%-2041.6pp |
| Employer contribution / active EE | $4,157 | $3,485+19.3% | $5,564-25.3% | $2,203+88.7% |
| Participant deferral / active EE | $3,776 | $3,131+20.6% | $4,895-22.9% | $3,192+18.3% |
| Admin fee / account holder | $333 | $5,986-94.4% | $11,612-97.1% | $4,297-92.3% |