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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 | $41,910 | $75,832-44.7% | $147,617-71.6% | $59,633-29.7% |
| Participation rate | 93.6% | 71.6%+22.1pp | 84.6%+9.0pp | 68.7%+24.9pp |
| Annual return | -2.12% | 0.37%-2.5pp | 61.98%-64.1pp | 2041.45%-2043.6pp |
| Employer contribution / active EE | $3,509 | $3,485+0.7% | $5,564-36.9% | $2,203+59.3% |
| Participant deferral / active EE | $3,628 | $3,131+15.9% | $4,895-25.9% | $3,192+13.7% |
| Admin fee / account holder | $1,014 | $5,986-83.1% | $11,612-91.3% | $4,297-76.4% |