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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 | $69,361 | $197,819-64.9% | $155,789-55.5% | $125,389-44.7% |
| Participation rate | 100.0% | 82.1%+17.9pp | 76.1%+23.9pp | 83.2%+16.8pp |
| Annual return | -1.04% | 86.73%-87.8pp | 71.54%-72.6pp | 282.24%-283.3pp |
| Employer contribution / active EE | $2,336 | $4,850-51.8% | $3,839-39.2% | $4,866-52.0% |
| Participant deferral / active EE | $4,667 | $5,631-17.1% | $4,798-2.7% | $5,352-12.8% |
| Admin fee / account holder | $12,426 | $9,544+30.2% | $7,477+66.2% | $9,541+30.2% |