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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 | $73,358 | $95,975-23.6% | $74,549-1.6% | $135,379-45.8% |
| Participation rate | 100.0% | 75.7%+24.3pp | 69.1%+30.9pp | 82.6%+17.4pp |
| Annual return | -6.69% | 56.96%-63.6pp | 32.53%-39.2pp | 519.79%-526.5pp |
| Employer contribution / active EE | $3,502 | $2,716+28.9% | $1,961+78.6% | $4,779-26.7% |
| Participant deferral / active EE | $6,086 | $3,844+58.3% | $3,108+95.8% | $5,609+8.5% |
| Admin fee / account holder | $6,192 | $6,522-5.1% | $5,059+22.4% | $10,828-42.8% |