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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 | $184,820 | $138,076+33.9% | $123,553+49.6% | $135,380+36.5% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -4.28% | 153.70%-158.0pp | 119.21%-123.5pp | 519.81%-524.1pp |
| Employer contribution / active EE | $4,883 | $5,152-5.2% | $4,628+5.5% | $4,779+2.2% |
| Participant deferral / active EE | $4,926 | $6,800-27.6% | $6,426-23.3% | $5,609-12.2% |
| Admin fee / account holder | $486 | $10,917-95.5% | $9,284-94.8% | $10,828-95.5% |