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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 | $31,844 | $82,630-61.5% | $64,105-50.3% | $125,389-74.6% |
| Participation rate | 90.0% | 75.9%+14.1pp | 68.2%+21.8pp | 83.2%+6.8pp |
| Annual return | -2.77% | 1489.72%-1492.5pp | 791.24%-794.0pp | 282.24%-285.0pp |
| Employer contribution / active EE | $2,695 | $2,671+0.9% | $1,820+48.1% | $4,866-44.6% |
| Participant deferral / active EE | $5,483 | $3,608+51.9% | $2,822+94.3% | $5,352+2.5% |
| Admin fee / account holder | $3,962 | $6,382-37.9% | $4,499-12.0% | $9,541-58.5% |