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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 | $41,707 | $54,355-23.3% | $82,744-49.6% | $68,486-39.1% |
| Participation rate | 100.0% | 63.9%+36.1pp | 72.6%+27.4pp | 67.9%+32.1pp |
| Annual return | -18.33% | -13.67%-4.7pp | 702.22%-720.5pp | -7.85%-10.5pp |
| Employer contribution / active EE | $4,382 | $2,219+97.5% | $3,008+45.7% | $2,597+68.8% |
| Participant deferral / active EE | $6,636 | $3,246+104.4% | $4,395+51.0% | $4,028+64.8% |
| Admin fee / account holder | $1,958 | $4,397-55.5% | $5,325-63.2% | $5,404-63.8% |