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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 | $43,231 | $39,798+8.6% | $67,704-36.1% | $59,633-27.5% |
| Participation rate | 90.3% | 57.4%+33.0pp | 67.5%+22.8pp | 68.7%+21.7pp |
| Annual return | -1.64% | 89.94%-91.6pp | 25.41%-27.1pp | 2041.45%-2043.1pp |
| Employer contribution / active EE | $2,547 | $1,393+82.9% | $2,559-0.5% | $2,203+15.6% |
| Participant deferral / active EE | $3,690 | $2,335+58.0% | $3,585+2.9% | $3,192+15.6% |
| Admin fee / account holder | $442 | $3,212-86.2% | $4,255-89.6% | $4,297-89.7% |