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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 | $28,375 | $39,798-28.7% | $67,704-58.1% | $59,633-52.4% |
| Participation rate | 100.0% | 57.4%+42.6pp | 67.5%+32.5pp | 68.7%+31.3pp |
| Annual return | 0.52% | 89.94%-89.4pp | 25.41%-24.9pp | 2041.45%-2040.9pp |
| Employer contribution / active EE | $3,153 | $1,393+126.3% | $2,559+23.2% | $2,203+43.1% |
| Participant deferral / active EE | $3,366 | $2,335+44.1% | $3,585-6.1% | $3,192+5.5% |
| Admin fee / account holder | $905 | $3,212-71.8% | $4,255-78.7% | $4,297-78.9% |