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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 | $31,635 | $39,798-20.5% | $67,704-53.3% | $59,633-47.0% |
| Participation rate | 80.8% | 57.4%+23.5pp | 67.5%+13.3pp | 68.7%+12.2pp |
| Annual return | -0.35% | 89.94%-90.3pp | 25.41%-25.8pp | 2041.45%-2041.8pp |
| Employer contribution / active EE | $3,075 | $1,393+120.8% | $2,559+20.2% | $2,203+39.6% |
| Participant deferral / active EE | $2,496 | $2,335+6.9% | $3,585-30.4% | $3,192-21.8% |
| Admin fee / account holder | $681 | $3,212-78.8% | $4,255-84.0% | $4,297-84.2% |