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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 | $87,462 | $95,979-8.9% | $74,551+17.3% | $135,380-35.4% |
| Participation rate | 100.0% | 75.7%+24.3pp | 69.1%+30.9pp | 82.6%+17.4pp |
| Annual return | -4.40% | 56.97%-61.4pp | 32.53%-36.9pp | 519.81%-524.2pp |
| Employer contribution / active EE | $2,270 | $2,716-16.4% | $1,961+15.7% | $4,779-52.5% |
| Participant deferral / active EE | $7,335 | $3,844+90.8% | $3,108+136.0% | $5,609+30.8% |
| Admin fee / account holder | $49,560 | $6,522+659.9% | $5,059+879.6% | $10,828+357.7% |