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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 | $21,139 | $75,832-72.1% | $147,617-85.7% | $59,633-64.6% |
| Participation rate | 89.3% | 71.6%+17.7pp | 84.6%+4.7pp | 68.7%+20.6pp |
| Annual return | -1.21% | 0.37%-1.6pp | 61.98%-63.2pp | 2041.45%-2042.7pp |
| Employer contribution / active EE | $1,438 | $3,485-58.7% | $5,564-74.2% | $2,203-34.7% |
| Participant deferral / active EE | $2,143 | $3,131-31.5% | $4,895-56.2% | $3,192-32.9% |
| Admin fee / account holder | $2,154 | $5,986-64.0% | $11,612-81.4% | $4,297-49.9% |