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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 | $103,237 | $90,607+13.9% | $79,467+29.9% | $135,380-23.7% |
| Participation rate | 92.9% | 76.0%+16.8pp | 73.3%+19.5pp | 82.6%+10.2pp |
| Annual return | -7.26% | 977.74%-985.0pp | 718.30%-725.6pp | 519.81%-527.1pp |
| Employer contribution / active EE | $2,644 | $3,068-13.8% | $2,800-5.6% | $4,779-44.7% |
| Participant deferral / active EE | $5,228 | $4,050+29.1% | $3,704+41.1% | $5,609-6.8% |
| Admin fee / account holder | $2,191 | $5,895-62.8% | $5,104-57.1% | $10,828-79.8% |