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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 | $61,761 | $39,798+55.2% | $67,704-8.8% | $59,633+3.6% |
| Participation rate | 100.0% | 57.4%+42.6pp | 67.5%+32.5pp | 68.7%+31.3pp |
| Annual return | 2.39% | 89.94%-87.5pp | 25.41%-23.0pp | 2041.45%-2039.1pp |
| Employer contribution / active EE | $2,582 | $1,393+85.3% | $2,559+0.9% | $2,203+17.2% |
| Participant deferral / active EE | $1,404 | $2,335-39.8% | $3,585-60.8% | $3,192-56.0% |
| Admin fee / account holder | $1,827 | $3,212-43.1% | $4,255-57.1% | $4,297-57.5% |