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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 | $82,832 | $104,106-20.4% | $71,086+16.5% | $135,379-38.8% |
| Participation rate | 100.0% | 65.7%+34.3pp | 54.7%+45.3pp | 82.6%+17.4pp |
| Annual return | -4.77% | 1256.30%-1261.1pp | 650.59%-655.4pp | 519.79%-524.6pp |
| Employer contribution / active EE | $3,125 | $1,485+110.4% | $1,088+187.3% | $4,779-34.6% |
| Participant deferral / active EE | $5,730 | $2,527+126.8% | $1,874+205.7% | $5,609+2.2% |
| Admin fee / account holder | $14,176 | $4,142+242.3% | $3,082+359.9% | $10,828+30.9% |