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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 | $75,378 | $75,832-0.6% | $147,617-48.9% | $59,633+26.4% |
| Participation rate | 74.5% | 71.6%+2.9pp | 84.6%-10.2pp | 68.7%+5.8pp |
| Annual return | -2.71% | 0.37%-3.1pp | 61.98%-64.7pp | 2041.45%-2044.2pp |
| Employer contribution / active EE | $7,703 | $3,485+121.0% | $5,564+38.4% | $2,203+249.7% |
| Participant deferral / active EE | $5,111 | $3,131+63.3% | $4,895+4.4% | $3,192+60.1% |
| Admin fee / account holder | $330 | $5,986-94.5% | $11,612-97.2% | $4,297-92.3% |