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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 | $40,048 | $92,766-56.8% | $82,763-51.6% | $134,545-70.2% |
| Participation rate | 83.3% | 75.2%+8.1pp | 72.6%+10.8pp | 81.2%+2.1pp |
| Annual return | -17.34% | 946.97%-964.3pp | 702.45%-719.8pp | 418.37%-435.7pp |
| Employer contribution / active EE | $2,571 | $3,273-21.5% | $3,008-14.5% | $4,742-45.8% |
| Participant deferral / active EE | $9,100 | $4,802+89.5% | $4,395+107.0% | $6,401+42.2% |
| Admin fee / account holder | $759 | $5,978-87.3% | $5,325-85.7% | $11,431-93.4% |