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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 | $33,880 | $138,075-75.5% | $123,552-72.6% | $135,379-75.0% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -2.99% | 153.70%-156.7pp | 119.20%-122.2pp | 519.79%-522.8pp |
| Employer contribution / active EE | $3,398 | $5,152-34.1% | $4,628-26.6% | $4,779-28.9% |
| Participant deferral / active EE | $14,590 | $6,800+114.6% | $6,426+127.1% | $5,609+160.1% |
| Admin fee / account holder | $5,287 | $10,917-51.6% | $9,285-43.1% | $10,828-51.2% |