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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 | $22,869 | $92,743-75.3% | $82,744-72.4% | $134,532-83.0% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.6%+27.4pp | 81.2%+18.8pp |
| Annual return | -19.16% | 946.63%-965.8pp | 702.22%-721.4pp | 418.27%-437.4pp |
| Employer contribution / active EE | $3,648 | $3,273+11.5% | $3,008+21.3% | $4,741-23.1% |
| Participant deferral / active EE | $6,533 | $4,802+36.1% | $4,395+48.7% | $6,401+2.1% |
| Admin fee / account holder | $955 | $5,977-84.0% | $5,325-82.1% | $11,429-91.6% |