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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 | $47,309 | $133,981-64.7% | $112,249-57.9% | $134,532-64.8% |
| Participation rate | 100.0% | 78.6%+21.4pp | 75.1%+24.9pp | 81.2%+18.8pp |
| Annual return | -10.14% | 47.16%-57.3pp | 27.48%-37.6pp | 418.27%-428.4pp |
| Employer contribution / active EE | $7,268 | $4,040+79.9% | $3,636+99.9% | $4,741+53.3% |
| Participant deferral / active EE | $8,365 | $5,292+58.1% | $4,729+76.9% | $6,401+30.7% |
| Admin fee / account holder | $636 | $7,492-91.5% | $6,412-90.1% | $11,429-94.4% |