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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 | $43,884 | $138,075-68.2% | $123,552-64.5% | $135,379-67.6% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -4.60% | 153.70%-158.3pp | 119.20%-123.8pp | 519.79%-524.4pp |
| Employer contribution / active EE | $9,134 | $5,152+77.3% | $4,628+97.4% | $4,779+91.1% |
| Participant deferral / active EE | $2,705 | $6,800-60.2% | $6,426-57.9% | $5,609-51.8% |
| Admin fee / account holder | $32,286 | $10,917+195.7% | $9,285+247.7% | $10,828+198.2% |