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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 | $67,444 | $95,979-29.7% | $74,551-9.5% | $135,380-50.2% |
| Participation rate | 100.0% | 75.7%+24.3pp | 69.1%+30.9pp | 82.6%+17.4pp |
| Annual return | -8.56% | 56.97%-65.5pp | 32.53%-41.1pp | 519.81%-528.4pp |
| Employer contribution / active EE | $12,356 | $2,716+354.9% | $1,961+530.1% | $4,779+158.6% |
| Participant deferral / active EE | $11,116 | $3,844+189.2% | $3,108+257.6% | $5,609+98.2% |
| Admin fee / account holder | $6,936 | $6,522+6.3% | $5,059+37.1% | $10,828-35.9% |