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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 | $31,966 | $75,832-57.8% | $147,617-78.3% | $59,633-46.4% |
| Participation rate | 100.0% | 71.6%+28.4pp | 84.6%+15.4pp | 68.7%+31.3pp |
| Annual return | -0.03% | 0.37%-0.4pp | 61.98%-62.0pp | 2041.45%-2041.5pp |
| Employer contribution / active EE | $1,516 | $3,485-56.5% | $5,564-72.8% | $2,203-31.2% |
| Participant deferral / active EE | $3,882 | $3,131+24.0% | $4,895-20.7% | $3,192+21.6% |
| Admin fee / account holder | $745 | $5,986-87.6% | $11,612-93.6% | $4,297-82.7% |