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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 | $66,679 | $138,072-51.7% | $123,549-46.0% | $135,382-50.7% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -2.75% | 153.69%-156.4pp | 119.20%-122.0pp | 519.77%-522.5pp |
| Employer contribution / active EE | $2,856 | $5,152-44.6% | $4,628-38.3% | $4,779-40.2% |
| Participant deferral / active EE | $5,747 | $6,799-15.5% | $6,426-10.6% | $5,609+2.5% |
| Admin fee / account holder | $10,577 | $10,917-3.1% | $9,284+13.9% | $10,829-2.3% |