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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 | $39,166 | $90,607-56.8% | $79,467-50.7% | $135,380-71.1% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 82.6%+17.4pp |
| Annual return | -6.16% | 977.74%-983.9pp | 718.30%-724.5pp | 519.81%-526.0pp |
| Employer contribution / active EE | $1,989 | $3,068-35.2% | $2,800-29.0% | $4,779-58.4% |
| Participant deferral / active EE | $6,342 | $4,050+56.6% | $3,704+71.2% | $5,609+13.1% |
| Admin fee / account holder | $599 | $5,895-89.8% | $5,104-88.3% | $10,828-94.5% |