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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 | $104,200 | $75,832+37.4% | $147,617-29.4% | $59,633+74.7% |
| Participation rate | 83.9% | 71.6%+12.3pp | 84.6%-0.8pp | 68.7%+15.2pp |
| Annual return | -1.84% | 0.37%-2.2pp | 61.98%-63.8pp | 2041.45%-2043.3pp |
| Employer contribution / active EE | $5,815 | $3,485+66.9% | $5,564+4.5% | $2,203+164.0% |
| Participant deferral / active EE | $5,944 | $3,131+89.9% | $4,895+21.4% | $3,192+86.2% |
| Admin fee / account holder | $532 | $5,986-91.1% | $11,612-95.4% | $4,297-87.6% |