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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 | $54,679 | $39,798+37.4% | $67,704-19.2% | $59,633-8.3% |
| Participation rate | 100.0% | 57.4%+42.6pp | 67.5%+32.5pp | 68.7%+31.3pp |
| Annual return | -1.55% | 89.94%-91.5pp | 25.41%-27.0pp | 2041.45%-2043.0pp |
| Employer contribution / active EE | $2,408 | $1,393+72.8% | $2,559-5.9% | $2,203+9.3% |
| Participant deferral / active EE | $3,696 | $2,335+58.3% | $3,585+3.1% | $3,192+15.8% |
| Admin fee / account holder | $1,901 | $3,212-40.8% | $4,255-55.3% | $4,297-55.8% |