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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 | $32,684 | $168,635-80.6% | $147,617-77.9% | $125,389-73.9% |
| Participation rate | 100.0% | 88.8%+11.2pp | 84.6%+15.4pp | 83.2%+16.8pp |
| Annual return | -1.34% | 77.65%-79.0pp | 61.98%-63.3pp | 282.24%-283.6pp |
| Employer contribution / active EE | $1,952 | $6,252-68.8% | $5,564-64.9% | $4,866-59.9% |
| Participant deferral / active EE | $5,944 | $5,507+7.9% | $4,895+21.4% | $5,352+11.1% |
| Admin fee / account holder | $597 | $13,580-95.6% | $11,612-94.9% | $9,541-93.7% |