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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 | $43,082 | $97,732-55.9% | $83,831-48.6% | $135,380-68.2% |
| Participation rate | 75.0% | 80.0%-5.0pp | 76.1%-1.1pp | 82.6%-7.6pp |
| Annual return | -9.47% | 1287.56%-1297.0pp | 850.99%-860.5pp | 519.81%-529.3pp |
| Employer contribution / active EE | $2,605 | $4,222-38.3% | $3,631-28.3% | $4,779-45.5% |
| Participant deferral / active EE | $12,414 | $4,683+165.1% | $4,082+204.1% | $5,609+121.3% |
| Admin fee / account holder | $647 | $6,675-90.3% | $5,479-88.2% | $10,828-94.0% |