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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 | $187,246 | $138,076+35.6% | $123,553+51.6% | $135,380+38.3% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -1.27% | 153.70%-155.0pp | 119.21%-120.5pp | 519.81%-521.1pp |
| Employer contribution / active EE | $4,075 | $5,152-20.9% | $4,628-12.0% | $4,779-14.7% |
| Participant deferral / active EE | $11,959 | $6,800+75.9% | $6,426+86.1% | $5,609+113.2% |
| Admin fee / account holder | $685 | $10,917-93.7% | $9,284-92.6% | $10,828-93.7% |