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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 | $34,144 | $39,798-14.2% | $67,704-49.6% | $59,633-42.7% |
| Participation rate | 100.0% | 57.4%+42.6pp | 67.5%+32.5pp | 68.7%+31.3pp |
| Annual return | -2.17% | 89.94%-92.1pp | 25.41%-27.6pp | 2041.45%-2043.6pp |
| Employer contribution / active EE | $3,817 | $1,393+174.0% | $2,559+49.1% | $2,203+73.3% |
| Participant deferral / active EE | $4,175 | $2,335+78.8% | $3,585+16.5% | $3,192+30.8% |
| Admin fee / account holder | $680 | $3,212-78.8% | $4,255-84.0% | $4,297-84.2% |