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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 | $65,863 | $75,828-13.1% | $147,617-55.4% | $59,632+10.4% |
| Participation rate | 81.6% | 71.6%+10.1pp | 84.6%-3.0pp | 68.7%+13.0pp |
| Annual return | -1.53% | 0.37%-1.9pp | 61.98%-63.5pp | 2041.32%-2042.8pp |
| Employer contribution / active EE | $7,305 | $3,485+109.6% | $5,565+31.3% | $2,203+231.7% |
| Participant deferral / active EE | $897 | $3,130-71.4% | $4,895-81.7% | $3,192-71.9% |
| Admin fee / account holder | $3,956 | $5,985-33.9% | $11,611-65.9% | $4,297-7.9% |