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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 | $74,471 | $138,076-46.1% | $123,553-39.7% | $135,380-45.0% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -6.39% | 153.70%-160.1pp | 119.21%-125.6pp | 519.81%-526.2pp |
| Employer contribution / active EE | $1,765 | $5,152-65.7% | $4,628-61.9% | $4,779-63.1% |
| Participant deferral / active EE | $4,980 | $6,800-26.8% | $6,426-22.5% | $5,609-11.2% |
| Admin fee / account holder | $27,953 | $10,917+156.1% | $9,284+201.1% | $10,828+158.2% |