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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 | $106,423 | $90,607+17.5% | $79,467+33.9% | $135,380-21.4% |
| Participation rate | 100.0% | 76.0%+24.0pp | 73.3%+26.7pp | 82.6%+17.4pp |
| Annual return | -7.55% | 977.74%-985.3pp | 718.30%-725.9pp | 519.81%-527.4pp |
| Employer contribution / active EE | $2,975 | $3,068-3.0% | $2,800+6.3% | $4,779-37.7% |
| Participant deferral / active EE | $5,654 | $4,050+39.6% | $3,704+52.7% | $5,609+0.8% |
| Admin fee / account holder | $2,241 | $5,895-62.0% | $5,104-56.1% | $10,828-79.3% |