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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 | $90,617-56.8% | $79,476-50.7% | $135,382-71.1% |
| Participation rate | 100.0% | 76.1%+23.9pp | 73.3%+26.7pp | 82.6%+17.4pp |
| Annual return | -6.16% | 977.57%-983.7pp | 718.21%-724.4pp | 519.77%-525.9pp |
| 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 | $5,907-89.9% | $5,113-88.3% | $10,829-94.5% |