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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 | $94,305 | $138,076-31.7% | $123,553-23.7% | $135,380-30.3% |
| Participation rate | 100.0% | 84.7%+15.3pp | 82.3%+17.7pp | 82.6%+17.4pp |
| Annual return | -6.74% | 153.70%-160.4pp | 119.21%-125.9pp | 519.81%-526.5pp |
| Employer contribution / active EE | $3,565 | $5,152-30.8% | $4,628-23.0% | $4,779-25.4% |
| Participant deferral / active EE | $5,582 | $6,800-17.9% | $6,426-13.1% | $5,609-0.5% |
| Admin fee / account holder | $7,918 | $10,917-27.5% | $9,284-14.7% | $10,828-26.9% |