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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 | $55,921 | $138,075-59.5% | $123,552-54.7% | $135,379-58.7% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -7.75% | 153.70%-161.5pp | 119.20%-127.0pp | 519.79%-527.5pp |
| Employer contribution / active EE | $1,795 | $5,152-65.2% | $4,628-61.2% | $4,779-62.4% |
| Participant deferral / active EE | $14,441 | $6,800+112.4% | $6,426+124.7% | $5,609+157.5% |
| Admin fee / account holder | $16,048 | $10,917+47.0% | $9,285+72.8% | $10,828+48.2% |