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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 | $19,062 | $84,551-77.5% | $61,452-69.0% | $134,532-85.8% |
| Participation rate | 100.0% | 62.2%+37.8pp | 52.6%+47.4pp | 81.2%+18.8pp |
| Annual return | -13.77% | 585.39%-599.2pp | 338.96%-352.7pp | 418.27%-432.0pp |
| Employer contribution / active EE | $3,326 | $1,545+115.3% | $1,160+186.8% | $4,741-29.9% |
| Participant deferral / active EE | $3,693 | $2,818+31.0% | $2,125+73.8% | $6,401-42.3% |
| Admin fee / account holder | $664 | $2,587-74.4% | $2,131-68.9% | $11,429-94.2% |