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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 | $63,789 | $84,628-24.6% | $61,501+3.7% | $134,545-52.6% |
| Participation rate | 80.0% | 62.2%+17.8pp | 52.6%+27.4pp | 81.2%-1.2pp |
| Annual return | -19.52% | 585.61%-605.1pp | 339.04%-358.6pp | 418.37%-437.9pp |
| Employer contribution / active EE | $10,282 | $1,545+565.6% | $1,160+786.6% | $4,742+116.8% |
| Participant deferral / active EE | $10,600 | $2,819+276.1% | $2,125+398.9% | $6,401+65.6% |
| Admin fee / account holder | $401 | $2,587-84.5% | $2,132-81.2% | $11,431-96.5% |