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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 | $42,738 | $90,617-52.8% | $79,476-46.2% | $135,382-68.4% |
| Participation rate | 71.4% | 76.1%-4.6pp | 73.3%-1.9pp | 82.6%-11.2pp |
| Annual return | -8.05% | 977.57%-985.6pp | 718.21%-726.3pp | 519.77%-527.8pp |
| Employer contribution / active EE | $1,905 | $3,068-37.9% | $2,800-32.0% | $4,779-60.1% |
| Participant deferral / active EE | $2,819 | $4,050-30.4% | $3,704-23.9% | $5,609-49.7% |
| Admin fee / account holder | $1,994 | $5,907-66.2% | $5,113-61.0% | $10,829-81.6% |