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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 | $90,041 | $106,549-15.5% | $91,225-1.3% | $134,509-33.1% |
| Participation rate | 100.0% | 76.8%+23.2pp | 73.2%+26.8pp | 81.2%+18.8pp |
| Annual return | -16.80% | 160.73%-177.5pp | 114.10%-130.9pp | 418.13%-434.9pp |
| Employer contribution / active EE | $1,073 | $3,331-67.8% | $2,851-62.4% | $4,741-77.4% |
| Participant deferral / active EE | $5,557 | $4,719+17.7% | $4,234+31.2% | $6,400-13.2% |
| Admin fee / account holder | $1,420 | $6,234-77.2% | $5,422-73.8% | $11,427-87.6% |