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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 | $30,845 | $104,106-70.4% | $71,086-56.6% | $135,379-77.2% |
| Participation rate | 95.0% | 65.7%+29.3pp | 54.7%+40.3pp | 82.6%+12.4pp |
| Annual return | -6.90% | 1256.30%-1263.2pp | 650.59%-657.5pp | 519.79%-526.7pp |
| Employer contribution / active EE | $3,000 | $1,485+102.0% | $1,088+175.8% | $4,779-37.2% |
| Participant deferral / active EE | $1,684 | $2,527-33.4% | $1,874-10.2% | $5,609-70.0% |
| Admin fee / account holder | $1,390 | $4,142-66.4% | $3,082-54.9% | $10,828-87.2% |