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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 | $102,189 | $90,606+12.8% | $79,466+28.6% | $135,379-24.5% |
| Participation rate | 80.0% | 76.0%+4.0pp | 73.3%+6.7pp | 82.6%-2.6pp |
| Annual return | -7.35% | 977.69%-985.0pp | 718.28%-725.6pp | 519.79%-527.1pp |
| Employer contribution / active EE | $2,435 | $3,068-20.6% | $2,800-13.1% | $4,779-49.1% |
| Participant deferral / active EE | $5,476 | $4,050+35.2% | $3,704+47.9% | $5,609-2.4% |
| Admin fee / account holder | $789 | $5,895-86.6% | $5,104-84.5% | $10,828-92.7% |