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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 | $42,186 | $106,549-60.4% | $91,225-53.8% | $134,509-68.6% |
| Participation rate | 100.0% | 76.8%+23.2pp | 73.2%+26.8pp | 81.2%+18.8pp |
| Annual return | -19.30% | 160.73%-180.0pp | 114.10%-133.4pp | 418.13%-437.4pp |
| Employer contribution / active EE | $3,480 | $3,331+4.5% | $2,851+22.1% | $4,741-26.6% |
| Participant deferral / active EE | $5,038 | $4,719+6.8% | $4,234+19.0% | $6,400-21.3% |
| Admin fee / account holder | $3,775 | $6,234-39.5% | $5,422-30.4% | $11,427-67.0% |