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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 | $57,622 | $75,832-24.0% | $147,617-61.0% | $59,633-3.4% |
| Participation rate | 100.0% | 71.6%+28.4pp | 84.6%+15.4pp | 68.7%+31.3pp |
| Annual return | -0.98% | 0.37%-1.3pp | 61.98%-63.0pp | 2041.45%-2042.4pp |
| Employer contribution / active EE | $4,712 | $3,485+35.2% | $5,564-15.3% | $2,203+113.9% |
| Participant deferral / active EE | $4,229 | $3,131+35.1% | $4,895-13.6% | $3,192+32.5% |
| Admin fee / account holder | $7,130 | $5,986+19.1% | $11,612-38.6% | $4,297+65.9% |