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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 | $73,237 | $75,832-3.4% | $147,618-50.4% | $59,633+22.8% |
| Participation rate | 94.7% | 71.6%+23.2pp | 84.6%+10.1pp | 68.7%+26.1pp |
| Annual return | -1.60% | 0.37%-2.0pp | 61.98%-63.6pp | 2041.40%-2043.0pp |
| Employer contribution / active EE | $6,529 | $3,485+87.4% | $5,565+17.3% | $2,203+196.4% |
| Participant deferral / active EE | $3,993 | $3,131+27.6% | $4,895-18.4% | $3,192+25.1% |
| Admin fee / account holder | $1,703 | $5,986-71.5% | $11,612-85.3% | $4,297-60.4% |