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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 | $63,855 | $75,832-15.8% | $147,617-56.7% | $59,633+7.1% |
| Participation rate | 88.4% | 71.6%+16.8pp | 84.6%+3.8pp | 68.7%+19.7pp |
| Annual return | -1.65% | 0.37%-2.0pp | 61.98%-63.6pp | 2041.45%-2043.1pp |
| Employer contribution / active EE | $2,123 | $3,485-39.1% | $5,564-61.8% | $2,203-3.6% |
| Participant deferral / active EE | $5,928 | $3,131+89.4% | $4,895+21.1% | $3,192+85.7% |
| Admin fee / account holder | $509 | $5,986-91.5% | $11,612-95.6% | $4,297-88.1% |