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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 | $108,359 | $75,832+42.9% | $147,617-26.6% | $59,633+81.7% |
| Participation rate | 97.1% | 71.6%+25.6pp | 84.6%+12.5pp | 68.7%+28.5pp |
| Annual return | -2.32% | 0.37%-2.7pp | 61.98%-64.3pp | 2041.45%-2043.8pp |
| Employer contribution / active EE | $5,635 | $3,485+61.7% | $5,564+1.3% | $2,203+155.9% |
| Participant deferral / active EE | $4,563 | $3,131+45.8% | $4,895-6.8% | $3,192+43.0% |
| Admin fee / account holder | $935 | $5,986-84.4% | $11,612-92.0% | $4,297-78.2% |